F & M Bank Corp. is the bank holding company for Farmers & Merchants Bank (the Bank). The Bank offers various services, including commercial and individual demand and time deposit accounts, repurchase agreements for commercial customers, commercial and individual loans, internet and mobile banking, drive-in banking services, automated teller machines (ATMs) at branch locations and various off-site locations, as well as a courier service for its commercial banking customers. Farmers & Merchants Financial Services, Inc. (FMFS), a wholly owned subsidiary of the Bank, provides brokerage services, commercial and personal lines of insurance to customers of the Bank. VBS Mortgage LLC (VBS), a subsidiary of the Bank, originates conventional and Government sponsored mortgages. The Bank provides services to customers located mainly in Rockingham, Shenandoah and Page Counties in Virginia, and the adjacent counties of Augusta, Virginia and Hardy, West Virginia.