F & M BANK & TRUST

Banking services; investment services, namely financial planning, insurance, investment advice, investment management; mortgage services, namely mortgage lending, brokerage, banking services; lines of credit; trust services, namely profit sharing plan, 401(K) plan, money purchase plan, estate administration, personal trusts, conservatorships, bond transfer/paying agent; checking and savings account services; travelers checks; certificate of deposit; IRA's (traditional, Roth, and educational); Visa check cards; real estate services; real estate leasing services; real estate escrow services; real estate investment services