Find yourself needing extra cash to pay bills? Is it tax time again? Constructing your new office building? Considering buying a new vehicle? We have a loan product that can fit your needs! F&M Bank and Trust was founded as a bank for the people, and we have been providing our community with consumer and commercial loans for nearly seventy-five years. We strive to provide our customers with the hospitality that they have come to expect from their local hometown bank through competitive loan products. Unlike the bigger banks, we take the time to get to know you, so we can provide the best solution for your situation!

Our Loan Products Include:

  • Savings / CD Secured Loans
  • Stock Secured Loans
  • Auto Loans
  • Recreational Vehicle Loans
  • Signature (Unsecured) Loans
  • Construction Loans
  • Commercial Real Estate
  • Investment/Rental Property Loans
  • Agricultural Loans
  • Lines of Credit
  • Equipment Loans
  • Inventory Loans

Stop by our office or give us a call and speak with one of our lenders to figure out how we can help serve your lending needs!

Want to speed up your visit at the bank? Print and complete the Consumer Application and an account representative will contact you once the application has been received.

Return by Mail:
F&M Bank and Trust Company
Attn: Loan Department
P.O. Box 718
Manchester, GA 31816

Return by Email:

Meet Our Lenders!

Allen W. Parham II
President and CEO
NMLS# 649487

Allen Parham currently serves as F&M Bank’s President and Chief Executive 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 licenses 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 C. Bonner
Senior Vice President of Consumer Lending
NMLS# 649486

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 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.


Mario K. Davis
Senior Vice President of Commercial Lending
NMLS# 711262

Mario has been a leader in organizations by driving transformational change—initiating root cause analysis and process / work-flow engineering in order to maximize growth potential and drive bottom line results. He is a servant-leader and motivator and believes in the spirit of teamwork.  Mr. Davis earned his bachelor’s degree in Business Management from Albany State University and MBA from Troy University. He began his professional career as Management Associate with Synovus Bank. Mario is currently Senior Vice President in our Commercial Banking Group responsible for the Columbus, Georgia, West Georgia and East Alabama markets.  Some of his past and current civic commitments include serving as a member of the Board of Trustees for St. Francis Hospital, the Board of Directors of the Columbus, GA Chamber of Commerce;  the Exchange Club of Columbus, the Annual Campaign Committee of the United Way, and the Board of Directors of the Friends of the Dragonfly Trails, Inc. and Chairman of the Board and Former CEO of the YMCA of Metropolitan Columbus, GA.  Mario and his wife, Dr. Yolanda Gray-Davis, an Army Veteran and physician are the proud parents of two boys. They are members of Fourth Street Baptist Church in Columbus.