• Main Office: (706) 846-8415
  • Loan Production Office: (706) 660-6877
Banking on Experience
RTIC Cooler Giveaway
Enter to win an RTIC cooler on our Facebook page at facebook.com/fmbankandtrust
Special CD Rates
Saving is made simple with F&M's special CD rates. Call or come in today to learn more about this limited time offer!
EMV Cards
F&M Bank’s EMV debit cards bring security to your payments.
Don't just save your money, plan for your future. From money market accounts and traditional savings accounts to IRAs, F&M Bank can show you how.
Man banking on the go.
Experience the convenience of Mobile Banking by using F&M Mobile to manage your finances quickly from anywhere life may take you.


We are your traditional hometown Community Bank offering new and state of the art conveniences.

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Whether you need a personal, business, or construction loan, we are here to help make the process easy from beginning to end.

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Our broad range of checking accounts have you covered. We have options that will fit your specific banking needs.

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