• Main Office: (706) 846-8415
  • Loan Production Office: (706) 660-6877
Banking on Experience

Meet Our Lenders

Allen W. Parham II, President - Chief Lending Officer

Allen Parham NMLS#:649487

Experience / Education

Allen Parham currently serves as the Bank's Chief Lending Officer. Previously he worked with Synovus Financial Corporation as a commercial loan officer and also with JK Boatwright and Company, P.C.  where he obtained his license as a Certified Public Accountant. He holds a Bachelor of Business Administration in Finance and a Masters of Accountancy, both from Auburn University. As a third generation banker Allen enjoys serving his community, so please stop by and see him today!



Beverly Bonner, Senior Vice President of Lending

Beverly Bonner


Experience / Education

Beverly Bonner is the Senior Vice President of Consumer Lending for F&M Bank.   She began her career with the bank in 1983 as a teller and later worked as a customer service representative, a loan department teller and a loan department supervisor before being named Vice President in March of 2005. In July of 2013 she was promoted to Senior Vice President.  Beverly attended Georgia Southwestern and Columbus College before coming to work at the bank.  She is a life-long member of her Church where she enjoys working with young people and children and she is a team member of Love in Action Ministries.  She is an active volunteer for the March of Dimes as well as participating in other community projects.  Beverly’s philosophy is simple:  Treat every client as if they are family by finding them the best financing options available.


Thomas Credle, Vice President of Lending

NMLS#: Pending

Experience / Education

Thomas Credle is the Vice President of Commercial Lending and has been in banking since 200. He graduated from Georgia Southern University with two undergraduate degrees and a Master’s in Business Administration in Finance. Thomas is currently a board member of the Creative South Group, Inc., and an alumni advisor for Pi Kappa Alpha International Fraternity. He has also served as a board member with Team Realtor for the Phenix City Board of Realtors. Thomas has taught financial seminars in Credit Management, Commercial Lending, and Capital Acquisitions at the University of Georgia Small Business Development Center. He has also conducted workshops in Home Buying and Finance for the Department of Defense. A longtime resident of Phenix City, Alabama, Credle is married with two children.