Skip to main content

PROUD BOOTSTRAP PULLERS, SLEEVE ROLLER-UPPERS & DREAM MAKERS SINCE 1897

And we’re just getting started.

Founded in 1897. Cultivated daily.

Nurturing lasting relationships and helping people live their best lives. That’s the mission and vision that define and drive us.

Partnering with the families, farmers and business owners of our great region. That’s not just what we do. It’s who we are.

Modern bankers. Trusted advisors. Savvy lenders. True partners in reaching your financial goals.

Raising barns and spirits. Turning wheels and tides. When you need us, we’re there.

News. Stock prices. Annual reports. Find it all in one convenient place.

Meet the team that’s transforming banking.

With 27 years of experience in the banking industry, including 20 years dedicated to the mortgage sector, Karen Relyea brings a wealth of knowledge and expertise to F&M. Started as a teller, she worked her way through many roles including a Banker and Loan Processor. Due to this experience, she has developed invaluable insights and skills at every level. This journey of growth and dedication formed the foundation of Karen’s commitment to providing exceptional service and guidance to her clients. Karen is dedicated to helping navigate the complexities of the mortgage landscape with confidence and ease to help make the purchasing experience exceptional. Karen is happy to be with F&M due to the bank's focus on helping customers as well as the community. 

You see great things in your future. So do we.

If you have a drive to learn, a strong work ethic and a desire to develop your career in banking, you're in for the best opportunities out there.

How a Farm Loan Can Boost Your Farm's Growth and Expansion
Factors to Consider When Selecting the Location of Your First Home
Building a CD Ladder: A Smart Savings Strategy