F&M Bank Corp. operates as a bank holding company, which engages in the provision of commercial banking services, including commercial and individual demand and time deposit accounts, repurchase agreements for commercial customers, commercial and individual loans, Internet banking, drive-in banking services, as well as a courier service for its commercial banking customers. Its loans are grouped into segments: construction/land development, farmland, real estate, multi-family, commercial real estate, home equity closed end, home equity open end, commercial & industrial–non-real estate, consumer, credit cards and dealer finance. The company was founded in 1983 and is headquartered in Timberville, VA.