Our Bank


Farmers & Merchants Bank is proud to be an independent community bank. The bank was chartered on April 15, 1908, as a state chartered bank in Timberville, VA and is the oldest banking business native to Rockingham County, VA.

We serve the Shenandoah Valley with nine conveniently located full-service branches, a network of ATM’s, and a wide variety of financial services including banking, investments, and insurance products. Both individuals and businesses find that our professional staff and up to date equipment provide the kind of responsive, knowledgeable, and reliable service that only a progressive community bank can.

Farmers & Merchants Bank has grown over the years to over $400 million in assets, and boasts 135 full and part-time employees. Our conservative approach to finances and sound investments, along with excellent customer service, has made us profitable and paves the way for a bright future.

Mission Statement

The primary mission of Farmers & Merchants Bank is to be a strong, independent community banking organization that provides a reasonable return to our shareholders, quality service to our customers and communities, and a rewarding and challenging workplace for our employees.

F & M Bank Corp., incorporated in Virginia in 1983 as a one-bank holding company, owns 100% of the outstanding stock of its two affiliates, Farmers & Merchants Bank and TEB Life Insurance Company (a captive life insurance company). Farmers & Merchants Financial Services, Inc. (our investment division) is a wholly owned subsidiary of Farmers & Merchants Bank.

Bank stock purchase

Are you interested in becoming a shareholder of Farmers & Merchants Bank?
F & M Bank Corp. (the parent company of Farmers & Merchants Bank) common stock trades under the symbol “FMBM”. We would welcome you as an “owner”! Please contact us for more information,

Click here to see a list of brokers and transfer agents who handle our bank stock, and our recent financial statements.

205 S. Main St.     P.O. Box 1111     Timberville, VA 22853     (540) 896-8941