401k Plan data: F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) plan

F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) 401k Plan overview

Plan Name	F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS)
Plan identification number	001

F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) Benefits

401k Plan Type

Defined Contribution Pension

Plan Features/Benefits

ERISA section 404(c) Plan - This plan, or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1.
Total participant-directed account plan - Participants have the opportunity to direct the investment of all the assets allocated to their individual accounts, regardless of whether 29 CFR 2550.404c-1 is intended to be met.
Partial participant-directed account plan - Participants have the opportunity to direct the investment of a portion of the assets allocated to their individual accounts, regardless of whether 29 CFR 2550.404c-1 is intended to be met.
Stock bonus
Code section 401(k) feature - A cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan that provides for an election by employees to defer part of their compensation or receive these amounts in cash.
Code section 401(m) arrangement - Employee contributions are allocated to separate accounts under the plan or employer contributions are based, in whole or in part, on employee deferrals or contribtions to the plan. Not applicable if plan is 401(k) plan with only QNECs and/or QMACs. Also not applicable if Code section 403(b)(1), 403(b)(7) or 408 arrangements/accounts/annuities.
ESOP other than a leveraged ESOP - A completed Schedule E must be attached to a Form 5500 filed for an Employee Stock Ownership Plan (ESOP).
Total or partial participant-directed account plan - plan uses default investment account for participants who fail to direct assets in their account.
Plan requiring that all or part of employer contributions be invested and held, at least for a limited period, in employer securities.

401k Sponsoring company profile

F & M FINANCIAL CORPORATION has sponsored the creation of one or more 401k plans.

Company Name: F & M FINANCIAL CORPORATION

Employer identification number (EIN): 561439958

NAIC Classification: 522110
NAIC Description: Commercial Banking

Additional information about F & M FINANCIAL CORPORATION

Jurisdiction of Incorporation: Nevada Department of State

Incorporation Date: 2001-08-20

Company Identification Number: 20011404366

Legal Registered Office Address: 1869 GRAY COURT STE 101

GARDNERVILLE
United States of America (USA)
89410

More information about F & M FINANCIAL CORPORATION

Form 5500 Filing Information

Submission information for form 5500 for 401k plan F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS)

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
001 2019-01-01
001 2018-01-01
001 2017-01-01 SUSAN B. GIESSLER
001 2016-01-01 SUSAN B. GIESSLER
001 2015-01-01 SUSAN B. GIESSLER
001 2014-01-01 SUSAN B. GIESSLER
001 2013-01-01 SUSAN B. GIESSLER
001 2012-01-01 SUSAN B. GIESSLER
001 2011-01-01 SUSAN B. GIESSLER
001 2009-01-01 SUSAN B. GIESSLER, VP SUSAN B. GIESSLER, VP 2010-10-14

Plan id#	Filing Submission Date	Name of Administrator	Name of Company Sponsor	Date Sponsor Signed
001	2019-01-01
001	2018-01-01
001	2017-01-01	SUSAN B. GIESSLER
001	2016-01-01	SUSAN B. GIESSLER
001	2015-01-01	SUSAN B. GIESSLER
001	2014-01-01	SUSAN B. GIESSLER
001	2013-01-01	SUSAN B. GIESSLER
001	2012-01-01	SUSAN B. GIESSLER
001	2011-01-01	SUSAN B. GIESSLER
001	2009-01-01	SUSAN B. GIESSLER, VP	SUSAN B. GIESSLER, VP	2010-10-14

Plan Statistics for F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS)

401k plan membership statisitcs for F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS)

Measure Date Value
2019: F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) 2019 401k membership
Total participants, beginning-of-year 2019-01-01 149
Total number of active participants reported on line 7a of the Form 5500 2019-01-01 0
Number of retired or separated participants receiving benefits 2019-01-01 0
Number of other retired or separated participants entitled to future benefits 2019-01-01 0
Total of all active and inactive participants 2019-01-01 0
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2019-01-01 0
Total participants 2019-01-01 0
Number of participants with account balances 2019-01-01 0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2019-01-01 0
2018: F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) 2018 401k membership
Total participants, beginning-of-year 2018-01-01 154
Total number of active participants reported on line 7a of the Form 5500 2018-01-01 126
Number of retired or separated participants receiving benefits 2018-01-01 0
Number of other retired or separated participants entitled to future benefits 2018-01-01 23
Total of all active and inactive participants 2018-01-01 149
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2018-01-01 0
Total participants 2018-01-01 149
Number of participants with account balances 2018-01-01 122
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2018-01-01 4
2017: F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) 2017 401k membership
Total participants, beginning-of-year 2017-01-01 142
Total number of active participants reported on line 7a of the Form 5500 2017-01-01 126
Number of retired or separated participants receiving benefits 2017-01-01 0
Number of other retired or separated participants entitled to future benefits 2017-01-01 24
Total of all active and inactive participants 2017-01-01 150
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2017-01-01 0
Total participants 2017-01-01 150
Number of participants with account balances 2017-01-01 129
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2017-01-01 0
2016: F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) 2016 401k membership
Total participants, beginning-of-year 2016-01-01 152
Total number of active participants reported on line 7a of the Form 5500 2016-01-01 129
Number of retired or separated participants receiving benefits 2016-01-01 0
Number of other retired or separated participants entitled to future benefits 2016-01-01 13
Total of all active and inactive participants 2016-01-01 142
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2016-01-01 0
Total participants 2016-01-01 142
Number of participants with account balances 2016-01-01 122
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2016-01-01 1
2015: F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) 2015 401k membership
Total participants, beginning-of-year 2015-01-01 147
Total number of active participants reported on line 7a of the Form 5500 2015-01-01 137
Number of retired or separated participants receiving benefits 2015-01-01 0
Number of other retired or separated participants entitled to future benefits 2015-01-01 14
Total of all active and inactive participants 2015-01-01 151
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2015-01-01 0
Total participants 2015-01-01 151
Number of participants with account balances 2015-01-01 125
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2015-01-01 0
2014: F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) 2014 401k membership
Total participants, beginning-of-year 2014-01-01 146
Total number of active participants reported on line 7a of the Form 5500 2014-01-01 135
Number of retired or separated participants receiving benefits 2014-01-01 0
Number of other retired or separated participants entitled to future benefits 2014-01-01 11
Total of all active and inactive participants 2014-01-01 146
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-01-01 0
Total participants 2014-01-01 146
Number of participants with account balances 2014-01-01 127
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2014-01-01 1
2013: F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) 2013 401k membership
Total participants, beginning-of-year 2013-01-01 142
Total number of active participants reported on line 7a of the Form 5500 2013-01-01 133
Number of retired or separated participants receiving benefits 2013-01-01 0
Number of other retired or separated participants entitled to future benefits 2013-01-01 9
Total of all active and inactive participants 2013-01-01 142
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2013-01-01 0
Total participants 2013-01-01 142
Number of participants with account balances 2013-01-01 126
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2013-01-01 4
2012: F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) 2012 401k membership
Total participants, beginning-of-year 2012-01-01 142
Total number of active participants reported on line 7a of the Form 5500 2012-01-01 130
Number of retired or separated participants receiving benefits 2012-01-01 0
Number of other retired or separated participants entitled to future benefits 2012-01-01 10
Total of all active and inactive participants 2012-01-01 140
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2012-01-01 0
Total participants 2012-01-01 140
Number of participants with account balances 2012-01-01 129
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2012-01-01 2
2011: F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) 2011 401k membership
Total participants, beginning-of-year 2011-01-01 144
Total number of active participants reported on line 7a of the Form 5500 2011-01-01 135
Number of retired or separated participants receiving benefits 2011-01-01 0
Number of other retired or separated participants entitled to future benefits 2011-01-01 7
Total of all active and inactive participants 2011-01-01 142
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2011-01-01 0
Total participants 2011-01-01 142
Number of participants with account balances 2011-01-01 130
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2011-01-01 3
2009: F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) 2009 401k membership
Total participants, beginning-of-year 2009-01-01 170
Total number of active participants reported on line 7a of the Form 5500 2009-01-01 135
Number of retired or separated participants receiving benefits 2009-01-01 0
Number of other retired or separated participants entitled to future benefits 2009-01-01 22
Total of all active and inactive participants 2009-01-01 157
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2009-01-01 0
Total participants 2009-01-01 157
Number of participants with account balances 2009-01-01 154
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2009-01-01 4

Measure	Date	Value
2019: F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) 2019 401k membership
Total participants, beginning-of-year	2019-01-01	149
Total number of active participants reported on line 7a of the Form 5500	2019-01-01	0
Number of retired or separated participants receiving benefits	2019-01-01	0
Number of other retired or separated participants entitled to future benefits	2019-01-01	0
Total of all active and inactive participants	2019-01-01	0
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2019-01-01	0
Total participants	2019-01-01	0
Number of participants with account balances	2019-01-01	0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2019-01-01	0
2018: F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) 2018 401k membership
Total participants, beginning-of-year	2018-01-01	154
Total number of active participants reported on line 7a of the Form 5500	2018-01-01	126
Number of retired or separated participants receiving benefits	2018-01-01	0
Number of other retired or separated participants entitled to future benefits	2018-01-01	23
Total of all active and inactive participants	2018-01-01	149
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2018-01-01	0
Total participants	2018-01-01	149
Number of participants with account balances	2018-01-01	122
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2018-01-01	4
2017: F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) 2017 401k membership
Total participants, beginning-of-year	2017-01-01	142
Total number of active participants reported on line 7a of the Form 5500	2017-01-01	126
Number of retired or separated participants receiving benefits	2017-01-01	0
Number of other retired or separated participants entitled to future benefits	2017-01-01	24
Total of all active and inactive participants	2017-01-01	150
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2017-01-01	0
Total participants	2017-01-01	150
Number of participants with account balances	2017-01-01	129
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2017-01-01	0
2016: F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) 2016 401k membership
Total participants, beginning-of-year	2016-01-01	152
Total number of active participants reported on line 7a of the Form 5500	2016-01-01	129
Number of retired or separated participants receiving benefits	2016-01-01	0
Number of other retired or separated participants entitled to future benefits	2016-01-01	13
Total of all active and inactive participants	2016-01-01	142
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2016-01-01	0
Total participants	2016-01-01	142
Number of participants with account balances	2016-01-01	122
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2016-01-01	1
2015: F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) 2015 401k membership
Total participants, beginning-of-year	2015-01-01	147
Total number of active participants reported on line 7a of the Form 5500	2015-01-01	137
Number of retired or separated participants receiving benefits	2015-01-01	0
Number of other retired or separated participants entitled to future benefits	2015-01-01	14
Total of all active and inactive participants	2015-01-01	151
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2015-01-01	0
Total participants	2015-01-01	151
Number of participants with account balances	2015-01-01	125
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2015-01-01	0
2014: F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) 2014 401k membership
Total participants, beginning-of-year	2014-01-01	146
Total number of active participants reported on line 7a of the Form 5500	2014-01-01	135
Number of retired or separated participants receiving benefits	2014-01-01	0
Number of other retired or separated participants entitled to future benefits	2014-01-01	11
Total of all active and inactive participants	2014-01-01	146
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-01-01	0
Total participants	2014-01-01	146
Number of participants with account balances	2014-01-01	127
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2014-01-01	1
2013: F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) 2013 401k membership
Total participants, beginning-of-year	2013-01-01	142
Total number of active participants reported on line 7a of the Form 5500	2013-01-01	133
Number of retired or separated participants receiving benefits	2013-01-01	0
Number of other retired or separated participants entitled to future benefits	2013-01-01	9
Total of all active and inactive participants	2013-01-01	142
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2013-01-01	0
Total participants	2013-01-01	142
Number of participants with account balances	2013-01-01	126
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2013-01-01	4
2012: F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) 2012 401k membership
Total participants, beginning-of-year	2012-01-01	142
Total number of active participants reported on line 7a of the Form 5500	2012-01-01	130
Number of retired or separated participants receiving benefits	2012-01-01	0
Number of other retired or separated participants entitled to future benefits	2012-01-01	10
Total of all active and inactive participants	2012-01-01	140
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2012-01-01	0
Total participants	2012-01-01	140
Number of participants with account balances	2012-01-01	129
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2012-01-01	2
2011: F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) 2011 401k membership
Total participants, beginning-of-year	2011-01-01	144
Total number of active participants reported on line 7a of the Form 5500	2011-01-01	135
Number of retired or separated participants receiving benefits	2011-01-01	0
Number of other retired or separated participants entitled to future benefits	2011-01-01	7
Total of all active and inactive participants	2011-01-01	142
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2011-01-01	0
Total participants	2011-01-01	142
Number of participants with account balances	2011-01-01	130
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2011-01-01	3
2009: F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) 2009 401k membership
Total participants, beginning-of-year	2009-01-01	170
Total number of active participants reported on line 7a of the Form 5500	2009-01-01	135
Number of retired or separated participants receiving benefits	2009-01-01	0
Number of other retired or separated participants entitled to future benefits	2009-01-01	22
Total of all active and inactive participants	2009-01-01	157
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2009-01-01	0
Total participants	2009-01-01	157
Number of participants with account balances	2009-01-01	154
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2009-01-01	4

Financial Data on F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS)

Measure	Date	Value
2019 : F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) 2019 401k financial data
Total unrealized appreciation/depreciation of assets	2019-11-30	$0
Total transfer of assets from this plan	2019-11-30	$12,671,849
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-11-30	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-11-30	$0
Total income from all sources (including contributions)	2019-11-30	$372,785
Total loss/gain on sale of assets	2019-11-30	$0
Total of all expenses incurred	2019-11-30	$1,823,966
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2019-11-30	$1,823,919
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2019-11-30	$0
Value of total assets at end of year	2019-11-30	$0
Value of total assets at beginning of year	2019-11-30	$14,123,030
Total of administrative expenses incurred including professional, contract, advisory and management fees	2019-11-30	$47
Total interest from all sources	2019-11-30	$0
Total dividends received (eg from common stock, registered investment company shares)	2019-11-30	$23,958
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2019-11-30	Yes
Value of any plan assets that reverted to the employer resulting from resoluton to terminate the plan	2019-11-30	$0
Total dividends received from registered investment company shares (eg mutual funds)	2019-11-30	$23,958
Was this plan covered by a fidelity bond	2019-11-30	Yes
Value of fidelity bond cover	2019-11-30	$3,000,000
If this is an individual account plan, was there a blackout period	2019-11-30	Yes
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2019-11-30	$0
Were there any nonexempt tranactions with any party-in-interest	2019-11-30	No
Participant contributions at end of year	2019-11-30	$0
Participant contributions at beginning of year	2019-11-30	$131,489
Other income not declared elsewhere	2019-11-30	$108,207
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2019-11-30	No
Value of net income/loss	2019-11-30	$-1,451,181
Value of net assets at end of year (total assets less liabilities)	2019-11-30	$0
Value of net assets at beginning of year (total assets less liabilities)	2019-11-30	$14,123,030
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2019-11-30	No
Were any loans by the plan or fixed income obligations due to the plan in default	2019-11-30	No
Were any leases to which the plan was party in default or uncollectible	2019-11-30	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2019-11-30	$0
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2019-11-30	$11,147,643
Value of interest in common/collective trusts at end of year	2019-11-30	$0
Value of interest in common/collective trusts at beginning of year	2019-11-30	$1,669,673
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2019-11-30	$240,620
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2019-11-30	Yes
Was there a failure to transmit to the plan any participant contributions	2019-11-30	No
Has the plan failed to provide any benefit when due under the plan	2019-11-30	No
Assets. Invements in employer securities at end of year	2019-11-30	$0
Assets. Invements in employer securities at beginning of year	2019-11-30	$1,174,225
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2019-11-30	$1,823,919
Contract administrator fees	2019-11-30	$47
Was the provided the required notice or one of the exceptions to providing the black out period notice applied under 29 CFR 2520.101-3	2019-11-30	Yes
Did the plan have assets held for investment	2019-11-30	No
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2019-11-30	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2019-11-30	Yes
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2019-11-30	No
Opinion of an independent qualified public accountant for this plan	2019-11-30	Unqualified
Accountancy firm name	2019-11-30	ELLIOTT DAVIS, PLLC
Accountancy firm EIN	2019-11-30	570381582
2018 : F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) 2018 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2018-12-31	$81,049
Total unrealized appreciation/depreciation of assets	2018-12-31	$81,049
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2018-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2018-12-31	$0
Total income from all sources (including contributions)	2018-12-31	$147,321
Total loss/gain on sale of assets	2018-12-31	$0
Total of all expenses incurred	2018-12-31	$2,714,748
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2018-12-31	$2,683,008
Value of total corrective distributions	2018-12-31	$12,047
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2018-12-31	$788,288
Value of total assets at end of year	2018-12-31	$14,123,030
Value of total assets at beginning of year	2018-12-31	$16,690,457
Total of administrative expenses incurred including professional, contract, advisory and management fees	2018-12-31	$19,693
Total interest from all sources	2018-12-31	$7,129
Total dividends received (eg from common stock, registered investment company shares)	2018-12-31	$893,222
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2018-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2018-12-31	$893,222
Was this plan covered by a fidelity bond	2018-12-31	Yes
Value of fidelity bond cover	2018-12-31	$2,000,000
If this is an individual account plan, was there a blackout period	2018-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2018-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2018-12-31	No
Contributions received from participants	2018-12-31	$509,598
Participant contributions at end of year	2018-12-31	$131,489
Participant contributions at beginning of year	2018-12-31	$199,680
Income. Received or receivable in cash from other sources (including rollovers)	2018-12-31	$47,420
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2018-12-31	No
Value of net income/loss	2018-12-31	$-2,567,427
Value of net assets at end of year (total assets less liabilities)	2018-12-31	$14,123,030
Value of net assets at beginning of year (total assets less liabilities)	2018-12-31	$16,690,457
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2018-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2018-12-31	No
Were any leases to which the plan was party in default or uncollectible	2018-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2018-12-31	$11,147,643
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2018-12-31	$13,281,513
Interest on participant loans	2018-12-31	$7,129
Value of interest in common/collective trusts at end of year	2018-12-31	$1,669,673
Value of interest in common/collective trusts at beginning of year	2018-12-31	$1,943,396
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2018-12-31	$0
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2018-12-31	$0
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2018-12-31	$0
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2018-12-31	$-1,654,716
Net investment gain or loss from common/collective trusts	2018-12-31	$32,349
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2018-12-31	No
Was there a failure to transmit to the plan any participant contributions	2018-12-31	No
Has the plan failed to provide any benefit when due under the plan	2018-12-31	No
Assets. Invements in employer securities at end of year	2018-12-31	$1,174,225
Assets. Invements in employer securities at beginning of year	2018-12-31	$1,265,868
Contributions received in cash from employer	2018-12-31	$231,270
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2018-12-31	$2,683,008
Contract administrator fees	2018-12-31	$19,693
Did the plan have assets held for investment	2018-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2018-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2018-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2018-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2018-12-31	Disclaimer
Accountancy firm name	2018-12-31	ELLIOTT DAVIS, PLLC
Accountancy firm EIN	2018-12-31	570381582
2017 : F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) 2017 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2017-12-31	$488,724
Total unrealized appreciation/depreciation of assets	2017-12-31	$488,724
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2017-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2017-12-31	$0
Total income from all sources (including contributions)	2017-12-31	$3,485,963
Total loss/gain on sale of assets	2017-12-31	$0
Total of all expenses incurred	2017-12-31	$934,076
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2017-12-31	$908,771
Value of total corrective distributions	2017-12-31	$6,167
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2017-12-31	$764,790
Value of total assets at end of year	2017-12-31	$16,690,457
Value of total assets at beginning of year	2017-12-31	$14,138,570
Total of administrative expenses incurred including professional, contract, advisory and management fees	2017-12-31	$19,138
Total interest from all sources	2017-12-31	$6,168
Total dividends received (eg from common stock, registered investment company shares)	2017-12-31	$204,428
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2017-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2017-12-31	$204,428
Was this plan covered by a fidelity bond	2017-12-31	Yes
Value of fidelity bond cover	2017-12-31	$2,000,000
If this is an individual account plan, was there a blackout period	2017-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2017-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2017-12-31	No
Contributions received from participants	2017-12-31	$545,703
Participant contributions at end of year	2017-12-31	$199,680
Participant contributions at beginning of year	2017-12-31	$107,462
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2017-12-31	No
Value of net income/loss	2017-12-31	$2,551,887
Value of net assets at end of year (total assets less liabilities)	2017-12-31	$16,690,457
Value of net assets at beginning of year (total assets less liabilities)	2017-12-31	$14,138,570
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2017-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2017-12-31	No
Were any leases to which the plan was party in default or uncollectible	2017-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2017-12-31	$13,281,513
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2017-12-31	$11,346,495
Interest on participant loans	2017-12-31	$6,168
Value of interest in common/collective trusts at end of year	2017-12-31	$1,943,396
Value of interest in common/collective trusts at beginning of year	2017-12-31	$1,863,148
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2017-12-31	$0
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2017-12-31	$0
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2017-12-31	$0
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2017-12-31	$1,993,888
Net investment gain or loss from common/collective trusts	2017-12-31	$27,965
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2017-12-31	No
Was there a failure to transmit to the plan any participant contributions	2017-12-31	No
Has the plan failed to provide any benefit when due under the plan	2017-12-31	No
Assets. Invements in employer securities at end of year	2017-12-31	$1,265,868
Assets. Invements in employer securities at beginning of year	2017-12-31	$821,465
Contributions received in cash from employer	2017-12-31	$219,087
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2017-12-31	$908,771
Contract administrator fees	2017-12-31	$19,138
Did the plan have assets held for investment	2017-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2017-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2017-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2017-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2017-12-31	Disclaimer
Accountancy firm name	2017-12-31	ELLIOTT DAVIS, PLLC
Accountancy firm EIN	2017-12-31	570381582
2016 : F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) 2016 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2016-12-31	$90,448
Total unrealized appreciation/depreciation of assets	2016-12-31	$90,448
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-12-31	$0
Total income from all sources (including contributions)	2016-12-31	$1,990,602
Total loss/gain on sale of assets	2016-12-31	$0
Total of all expenses incurred	2016-12-31	$1,336,210
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2016-12-31	$1,317,583
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2016-12-31	$854,931
Value of total assets at end of year	2016-12-31	$14,138,570
Value of total assets at beginning of year	2016-12-31	$13,484,178
Total of administrative expenses incurred including professional, contract, advisory and management fees	2016-12-31	$18,627
Total interest from all sources	2016-12-31	$5,652
Total dividends received (eg from common stock, registered investment company shares)	2016-12-31	$407,554
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2016-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2016-12-31	$407,554
Was this plan covered by a fidelity bond	2016-12-31	Yes
Value of fidelity bond cover	2016-12-31	$2,000,000
If this is an individual account plan, was there a blackout period	2016-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2016-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2016-12-31	No
Contributions received from participants	2016-12-31	$512,453
Participant contributions at end of year	2016-12-31	$107,462
Participant contributions at beginning of year	2016-12-31	$151,873
Income. Received or receivable in cash from other sources (including rollovers)	2016-12-31	$148,745
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2016-12-31	No
Value of net income/loss	2016-12-31	$654,392
Value of net assets at end of year (total assets less liabilities)	2016-12-31	$14,138,570
Value of net assets at beginning of year (total assets less liabilities)	2016-12-31	$13,484,178
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2016-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2016-12-31	No
Were any leases to which the plan was party in default or uncollectible	2016-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2016-12-31	$11,346,495
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2016-12-31	$11,030,122
Interest on participant loans	2016-12-31	$5,652
Value of interest in common/collective trusts at end of year	2016-12-31	$1,863,148
Value of interest in common/collective trusts at beginning of year	2016-12-31	$1,445,024
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2016-12-31	$0
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2016-12-31	$0
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2016-12-31	$0
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2016-12-31	$608,376
Net investment gain or loss from common/collective trusts	2016-12-31	$23,641
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2016-12-31	No
Was there a failure to transmit to the plan any participant contributions	2016-12-31	No
Has the plan failed to provide any benefit when due under the plan	2016-12-31	No
Assets. Invements in employer securities at end of year	2016-12-31	$821,465
Assets. Invements in employer securities at beginning of year	2016-12-31	$857,159
Contributions received in cash from employer	2016-12-31	$193,733
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2016-12-31	$1,317,583
Contract administrator fees	2016-12-31	$18,627
Did the plan have assets held for investment	2016-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2016-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2016-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2016-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2016-12-31	Disclaimer
Accountancy firm name	2016-12-31	ELLIOTT DAVIS DECOSIMO, PLLC
Accountancy firm EIN	2016-12-31	570381582
2015 : F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) 2015 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2015-12-31	$111,882
Total unrealized appreciation/depreciation of assets	2015-12-31	$111,882
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-12-31	$0
Total income from all sources (including contributions)	2015-12-31	$808,666
Total loss/gain on sale of assets	2015-12-31	$0
Total of all expenses incurred	2015-12-31	$762,613
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2015-12-31	$742,635
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2015-12-31	$704,072
Value of total assets at end of year	2015-12-31	$13,484,178
Value of total assets at beginning of year	2015-12-31	$13,438,125
Total of administrative expenses incurred including professional, contract, advisory and management fees	2015-12-31	$19,978
Total interest from all sources	2015-12-31	$5,671
Total dividends received (eg from common stock, registered investment company shares)	2015-12-31	$479,673
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2015-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2015-12-31	$479,673
Was this plan covered by a fidelity bond	2015-12-31	Yes
Value of fidelity bond cover	2015-12-31	$2,000,000
If this is an individual account plan, was there a blackout period	2015-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2015-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2015-12-31	No
Contributions received from participants	2015-12-31	$511,508
Participant contributions at end of year	2015-12-31	$151,873
Participant contributions at beginning of year	2015-12-31	$164,222
Income. Received or receivable in cash from other sources (including rollovers)	2015-12-31	$41,487
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2015-12-31	No
Value of net income/loss	2015-12-31	$46,053
Value of net assets at end of year (total assets less liabilities)	2015-12-31	$13,484,178
Value of net assets at beginning of year (total assets less liabilities)	2015-12-31	$13,438,125
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2015-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2015-12-31	No
Were any leases to which the plan was party in default or uncollectible	2015-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2015-12-31	$11,030,122
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2015-12-31	$10,953,162
Interest on participant loans	2015-12-31	$5,671
Value of interest in common/collective trusts at end of year	2015-12-31	$1,445,024
Value of interest in common/collective trusts at beginning of year	2015-12-31	$1,564,162
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2015-12-31	$0
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2015-12-31	$0
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2015-12-31	$0
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2015-12-31	$-511,661
Net investment gain or loss from common/collective trusts	2015-12-31	$19,029
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2015-12-31	No
Was there a failure to transmit to the plan any participant contributions	2015-12-31	No
Has the plan failed to provide any benefit when due under the plan	2015-12-31	No
Assets. Invements in employer securities at end of year	2015-12-31	$857,159
Assets. Invements in employer securities at beginning of year	2015-12-31	$756,579
Contributions received in cash from employer	2015-12-31	$151,077
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2015-12-31	$742,635
Contract administrator fees	2015-12-31	$19,978
Did the plan have assets held for investment	2015-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2015-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2015-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2015-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2015-12-31	Disclaimer
Accountancy firm name	2015-12-31	ELLIOTT DAVIS DECOSIMO, PLLC
Accountancy firm EIN	2015-12-31	570381582
2014 : F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) 2014 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2014-12-31	$13,275
Total unrealized appreciation/depreciation of assets	2014-12-31	$13,275
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$0
Total income from all sources (including contributions)	2014-12-31	$1,569,191
Total loss/gain on sale of assets	2014-12-31	$0
Total of all expenses incurred	2014-12-31	$361,096
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2014-12-31	$340,466
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2014-12-31	$650,663
Value of total assets at end of year	2014-12-31	$13,438,125
Value of total assets at beginning of year	2014-12-31	$12,230,030
Total of administrative expenses incurred including professional, contract, advisory and management fees	2014-12-31	$20,630
Total interest from all sources	2014-12-31	$9,460
Total dividends received (eg from common stock, registered investment company shares)	2014-12-31	$406,778
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2014-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2014-12-31	$406,778
Was this plan covered by a fidelity bond	2014-12-31	Yes
Value of fidelity bond cover	2014-12-31	$2,000,000
If this is an individual account plan, was there a blackout period	2014-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2014-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2014-12-31	No
Contributions received from participants	2014-12-31	$512,949
Participant contributions at end of year	2014-12-31	$164,222
Participant contributions at beginning of year	2014-12-31	$238,140
Income. Received or receivable in cash from other sources (including rollovers)	2014-12-31	$8,975
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-12-31	No
Value of net income/loss	2014-12-31	$1,208,095
Value of net assets at end of year (total assets less liabilities)	2014-12-31	$13,438,125
Value of net assets at beginning of year (total assets less liabilities)	2014-12-31	$12,230,030
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2014-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2014-12-31	No
Were any leases to which the plan was party in default or uncollectible	2014-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2014-12-31	$10,953,162
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2014-12-31	$9,692,705
Interest on participant loans	2014-12-31	$9,460
Value of interest in common/collective trusts at end of year	2014-12-31	$1,564,162
Value of interest in common/collective trusts at beginning of year	2014-12-31	$1,555,627
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2014-12-31	$0
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2014-12-31	$0
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2014-12-31	$0
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2014-12-31	$471,466
Net investment gain or loss from common/collective trusts	2014-12-31	$17,549
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2014-12-31	No
Was there a failure to transmit to the plan any participant contributions	2014-12-31	No
Has the plan failed to provide any benefit when due under the plan	2014-12-31	No
Assets. Invements in employer securities at end of year	2014-12-31	$756,579
Assets. Invements in employer securities at beginning of year	2014-12-31	$743,558
Contributions received in cash from employer	2014-12-31	$128,739
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2014-12-31	$340,466
Contract administrator fees	2014-12-31	$20,630
Did the plan have assets held for investment	2014-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2014-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2014-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2014-12-31	Disclaimer
Accountancy firm name	2014-12-31	ELLIOTT DAVIS DECOSIMO, PLLC
Accountancy firm EIN	2014-12-31	570381582
2013 : F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) 2013 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2013-12-31	$37,941
Total unrealized appreciation/depreciation of assets	2013-12-31	$37,941
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$0
Total income from all sources (including contributions)	2013-12-31	$2,282,332
Total loss/gain on sale of assets	2013-12-31	$0
Total of all expenses incurred	2013-12-31	$822,197
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2013-12-31	$799,685
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2013-12-31	$513,571
Value of total assets at end of year	2013-12-31	$12,230,030
Value of total assets at beginning of year	2013-12-31	$10,769,895
Total of administrative expenses incurred including professional, contract, advisory and management fees	2013-12-31	$22,512
Total interest from all sources	2013-12-31	$10,758
Total dividends received (eg from common stock, registered investment company shares)	2013-12-31	$275,466
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2013-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2013-12-31	$275,466
Was this plan covered by a fidelity bond	2013-12-31	Yes
Value of fidelity bond cover	2013-12-31	$2,000,000
If this is an individual account plan, was there a blackout period	2013-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2013-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2013-12-31	No
Contributions received from participants	2013-12-31	$409,541
Participant contributions at end of year	2013-12-31	$238,140
Participant contributions at beginning of year	2013-12-31	$284,883
Income. Received or receivable in cash from other sources (including rollovers)	2013-12-31	$2,501
Administrative expenses (other) incurred	2013-12-31	$2
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Value of net income/loss	2013-12-31	$1,460,135
Value of net assets at end of year (total assets less liabilities)	2013-12-31	$12,230,030
Value of net assets at beginning of year (total assets less liabilities)	2013-12-31	$10,769,895
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2013-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2013-12-31	No
Were any leases to which the plan was party in default or uncollectible	2013-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2013-12-31	$9,692,705
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2013-12-31	$8,472,774
Interest on participant loans	2013-12-31	$10,758
Value of interest in common/collective trusts at end of year	2013-12-31	$1,555,627
Value of interest in common/collective trusts at beginning of year	2013-12-31	$1,278,763
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2013-12-31	$0
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2013-12-31	$0
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2013-12-31	$0
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2013-12-31	$1,427,571
Net investment gain or loss from common/collective trusts	2013-12-31	$17,025
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2013-12-31	No
Was there a failure to transmit to the plan any participant contributions	2013-12-31	No
Has the plan failed to provide any benefit when due under the plan	2013-12-31	No
Assets. Invements in employer securities at end of year	2013-12-31	$743,558
Assets. Invements in employer securities at beginning of year	2013-12-31	$733,475
Contributions received in cash from employer	2013-12-31	$101,529
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2013-12-31	$799,685
Contract administrator fees	2013-12-31	$22,510
Did the plan have assets held for investment	2013-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2013-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2013-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2013-12-31	Disclaimer
Accountancy firm name	2013-12-31	ELLIOTT DAVIS, PLLC
Accountancy firm EIN	2013-12-31	570381582
2012 : F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) 2012 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2012-12-31	$-152,807
Total unrealized appreciation/depreciation of assets	2012-12-31	$-152,807
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$0
Total income from all sources (including contributions)	2012-12-31	$1,508,942
Total loss/gain on sale of assets	2012-12-31	$0
Total of all expenses incurred	2012-12-31	$1,429,660
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2012-12-31	$1,407,969
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2012-12-31	$412,102
Value of total assets at end of year	2012-12-31	$10,769,895
Value of total assets at beginning of year	2012-12-31	$10,690,613
Total of administrative expenses incurred including professional, contract, advisory and management fees	2012-12-31	$21,691
Total interest from all sources	2012-12-31	$11,651
Total dividends received (eg from common stock, registered investment company shares)	2012-12-31	$267,232
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2012-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2012-12-31	$267,232
Was this plan covered by a fidelity bond	2012-12-31	Yes
Value of fidelity bond cover	2012-12-31	$2,000,000
If this is an individual account plan, was there a blackout period	2012-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2012-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2012-12-31	No
Contributions received from participants	2012-12-31	$412,102
Participant contributions at end of year	2012-12-31	$284,883
Participant contributions at beginning of year	2012-12-31	$242,280
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-12-31	No
Value of net income/loss	2012-12-31	$79,282
Value of net assets at end of year (total assets less liabilities)	2012-12-31	$10,769,895
Value of net assets at beginning of year (total assets less liabilities)	2012-12-31	$10,690,613
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2012-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2012-12-31	No
Were any leases to which the plan was party in default or uncollectible	2012-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2012-12-31	$8,472,774
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2012-12-31	$8,416,782
Interest on participant loans	2012-12-31	$11,651
Value of interest in common/collective trusts at end of year	2012-12-31	$1,278,763
Value of interest in common/collective trusts at beginning of year	2012-12-31	$1,145,266
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2012-12-31	$0
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2012-12-31	$3
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2012-12-31	$3
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2012-12-31	$950,968
Net investment gain or loss from common/collective trusts	2012-12-31	$19,796
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2012-12-31	No
Was there a failure to transmit to the plan any participant contributions	2012-12-31	No
Has the plan failed to provide any benefit when due under the plan	2012-12-31	No
Assets. Invements in employer securities at end of year	2012-12-31	$733,475
Assets. Invements in employer securities at beginning of year	2012-12-31	$886,282
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2012-12-31	$1,407,969
Contract administrator fees	2012-12-31	$21,691
Did the plan have assets held for investment	2012-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2012-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2012-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2012-12-31	Disclaimer
Accountancy firm name	2012-12-31	ELLIOTT DAVIS, PLLC
Accountancy firm EIN	2012-12-31	570381582
2011 : F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) 2011 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2011-12-31	$-48,887
Total unrealized appreciation/depreciation of assets	2011-12-31	$-48,887
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$0
Total income from all sources (including contributions)	2011-12-31	$346,407
Total loss/gain on sale of assets	2011-12-31	$0
Total of all expenses incurred	2011-12-31	$2,709,412
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2011-12-31	$2,687,164
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2011-12-31	$431,024
Value of total assets at end of year	2011-12-31	$10,690,613
Value of total assets at beginning of year	2011-12-31	$13,053,618
Total of administrative expenses incurred including professional, contract, advisory and management fees	2011-12-31	$22,248
Total interest from all sources	2011-12-31	$10,927
Total dividends received (eg from common stock, registered investment company shares)	2011-12-31	$256,239
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2011-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2011-12-31	$256,239
Was this plan covered by a fidelity bond	2011-12-31	Yes
Value of fidelity bond cover	2011-12-31	$2,000,000
If this is an individual account plan, was there a blackout period	2011-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2011-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2011-12-31	No
Contributions received from participants	2011-12-31	$431,024
Participant contributions at end of year	2011-12-31	$242,280
Participant contributions at beginning of year	2011-12-31	$253,828
Administrative expenses (other) incurred	2011-12-31	$57
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-12-31	No
Value of net income/loss	2011-12-31	$-2,363,005
Value of net assets at end of year (total assets less liabilities)	2011-12-31	$10,690,613
Value of net assets at beginning of year (total assets less liabilities)	2011-12-31	$13,053,618
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2011-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2011-12-31	No
Were any leases to which the plan was party in default or uncollectible	2011-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2011-12-31	$8,416,782
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2011-12-31	$10,340,744
Interest on participant loans	2011-12-31	$10,927
Value of interest in common/collective trusts at end of year	2011-12-31	$1,145,266
Value of interest in common/collective trusts at beginning of year	2011-12-31	$1,282,698
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2011-12-31	$3
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2011-12-31	$6
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2011-12-31	$6
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2011-12-31	$-326,621
Net investment gain or loss from common/collective trusts	2011-12-31	$23,725
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2011-12-31	No
Was there a failure to transmit to the plan any participant contributions	2011-12-31	No
Has the plan failed to provide any benefit when due under the plan	2011-12-31	No
Assets. Invements in employer securities at end of year	2011-12-31	$886,282
Assets. Invements in employer securities at beginning of year	2011-12-31	$1,176,342
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2011-12-31	$2,687,164
Contract administrator fees	2011-12-31	$22,191
Did the plan have assets held for investment	2011-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2011-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2011-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2011-12-31	Disclaimer
Accountancy firm name	2011-12-31	ELLIOTT DAVIS, PLLC
Accountancy firm EIN	2011-12-31	570381582
2010 : F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) 2010 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2010-12-31	$-73,040
Total unrealized appreciation/depreciation of assets	2010-12-31	$-73,040
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$0
Total income from all sources (including contributions)	2010-12-31	$1,799,694
Total loss/gain on sale of assets	2010-12-31	$0
Total of all expenses incurred	2010-12-31	$1,552,499
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2010-12-31	$1,509,097
Value of total corrective distributions	2010-12-31	$8,173
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2010-12-31	$488,473
Value of total assets at end of year	2010-12-31	$13,053,618
Value of total assets at beginning of year	2010-12-31	$12,806,423
Total of administrative expenses incurred including professional, contract, advisory and management fees	2010-12-31	$35,229
Total interest from all sources	2010-12-31	$15,534
Total dividends received (eg from common stock, registered investment company shares)	2010-12-31	$358,151
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2010-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2010-12-31	$313,557
Was this plan covered by a fidelity bond	2010-12-31	Yes
Value of fidelity bond cover	2010-12-31	$2,000,000
If this is an individual account plan, was there a blackout period	2010-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2010-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2010-12-31	No
Contributions received from participants	2010-12-31	$450,473
Participant contributions at end of year	2010-12-31	$253,828
Participant contributions at beginning of year	2010-12-31	$208,588
Income. Received or receivable in cash from other sources (including rollovers)	2010-12-31	$38,000
Administrative expenses (other) incurred	2010-12-31	$72
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2010-12-31	No
Value of net income/loss	2010-12-31	$247,195
Value of net assets at end of year (total assets less liabilities)	2010-12-31	$13,053,618
Value of net assets at beginning of year (total assets less liabilities)	2010-12-31	$12,806,423
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2010-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2010-12-31	No
Were any leases to which the plan was party in default or uncollectible	2010-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2010-12-31	$10,340,744
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2010-12-31	$9,797,999
Interest on participant loans	2010-12-31	$11,783
Value of interest in common/collective trusts at end of year	2010-12-31	$1,282,698
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2010-12-31	$6
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2010-12-31	$1,452,921
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2010-12-31	$1,452,921
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2010-12-31	$3,751
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2010-12-31	$1,010,576
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2010-12-31	No
Was there a failure to transmit to the plan any participant contributions	2010-12-31	No
Has the plan failed to provide any benefit when due under the plan	2010-12-31	No
Assets. Invements in employer securities at end of year	2010-12-31	$1,176,342
Assets. Invements in employer securities at beginning of year	2010-12-31	$1,346,915
Income. Dividends from common stock	2010-12-31	$44,594
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2010-12-31	$1,509,097
Contract administrator fees	2010-12-31	$35,157
Did the plan have assets held for investment	2010-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2010-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2010-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2010-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2010-12-31	Disclaimer
Accountancy firm name	2010-12-31	ELLIOTT DAVIS, PLLC
Accountancy firm EIN	2010-12-31	570381582

Form 5500 Responses for F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS)

2019: F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) 2019 form 5500 responses
2019-01-01	Type of plan entity	Single employer plan
2019-01-01	Submission has been amended	No
2019-01-01	This submission is the final filing	Yes
2019-01-01	This return/report is a short plan year return/report (less than 12 months)	Yes
2019-01-01	Plan is a collectively bargained plan	No
2019-01-01	Plan funding arrangement – Trust	Yes
2019-01-01	Plan benefit arrangement - Trust	Yes
2018: F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) 2018 form 5500 responses
2018-01-01	Type of plan entity	Single employer plan
2018-01-01	Submission has been amended	No
2018-01-01	This submission is the final filing	No
2018-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2018-01-01	Plan is a collectively bargained plan	No
2018-01-01	Plan funding arrangement – Trust	Yes
2018-01-01	Plan benefit arrangement - Trust	Yes
2017: F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) 2017 form 5500 responses
2017-01-01	Type of plan entity	Single employer plan
2017-01-01	Submission has been amended	No
2017-01-01	This submission is the final filing	No
2017-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2017-01-01	Plan is a collectively bargained plan	No
2017-01-01	Plan funding arrangement – Trust	Yes
2017-01-01	Plan benefit arrangement - Trust	Yes
2016: F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) 2016 form 5500 responses
2016-01-01	Type of plan entity	Single employer plan
2016-01-01	Submission has been amended	No
2016-01-01	This submission is the final filing	No
2016-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2016-01-01	Plan is a collectively bargained plan	No
2016-01-01	Plan funding arrangement – Trust	Yes
2016-01-01	Plan benefit arrangement - Trust	Yes
2015: F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) 2015 form 5500 responses
2015-01-01	Type of plan entity	Single employer plan
2015-01-01	Submission has been amended	No
2015-01-01	This submission is the final filing	No
2015-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2015-01-01	Plan is a collectively bargained plan	No
2015-01-01	Plan funding arrangement – Trust	Yes
2015-01-01	Plan benefit arrangement - Trust	Yes
2014: F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) 2014 form 5500 responses
2014-01-01	Type of plan entity	Single employer plan
2014-01-01	Submission has been amended	No
2014-01-01	This submission is the final filing	No
2014-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2014-01-01	Plan is a collectively bargained plan	No
2014-01-01	Plan funding arrangement – Trust	Yes
2014-01-01	Plan benefit arrangement - Trust	Yes
2013: F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) 2013 form 5500 responses
2013-01-01	Type of plan entity	Single employer plan
2013-01-01	Submission has been amended	No
2013-01-01	This submission is the final filing	No
2013-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2013-01-01	Plan is a collectively bargained plan	No
2013-01-01	Plan funding arrangement – Trust	Yes
2013-01-01	Plan benefit arrangement - Trust	Yes
2012: F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) 2012 form 5500 responses
2012-01-01	Type of plan entity	Single employer plan
2012-01-01	Submission has been amended	No
2012-01-01	This submission is the final filing	No
2012-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2012-01-01	Plan is a collectively bargained plan	No
2012-01-01	Plan funding arrangement – Trust	Yes
2012-01-01	Plan benefit arrangement - Trust	Yes
2011: F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) 2011 form 5500 responses
2011-01-01	Type of plan entity	Single employer plan
2011-01-01	Submission has been amended	No
2011-01-01	This submission is the final filing	No
2011-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2011-01-01	Plan is a collectively bargained plan	No
2011-01-01	Plan funding arrangement – Trust	Yes
2011-01-01	Plan benefit arrangement - Trust	Yes
2009: F & M FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN (WITH 401(K) PROVISIONS) 2009 form 5500 responses
2009-01-01	Type of plan entity	Single employer plan
2009-01-01	Submission has been amended	No
2009-01-01	This submission is the final filing	No
2009-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2009-01-01	Plan is a collectively bargained plan	No
2009-01-01	Plan funding arrangement – Trust	Yes
2009-01-01	Plan benefit arrangement - Trust	Yes

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Company Name:	F & M FINANCIAL CORPORATION
Employer identification number (EIN):	561439958
NAIC Classification:	522110
NAIC Description:	Commercial Banking

Jurisdiction of Incorporation:	Nevada Department of State
Incorporation Date:	2001-08-20
Company Identification Number:	20011404366
Legal Registered Office Address:	1869 GRAY COURT STE 101 GARDNERVILLE United States of America (USA) 89410