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News and Updates

As one of Tennessee’s top community banks, we actively participate in our communities. Listed here are the important updates from local F&M Bank branches across Middle Tennessee. Follow our news stories as we share local news stories, F&M Bank updates and announcements. You may even find some financial tips along the way.


September 17, 2021

Consumer Alert on IRS Reporting Proposal

We care about you, your finances, and your account with F&M Bank, so we want to let you know about a concerning proposal taking shape in Washington. If passed, the proposal would require financial institutions like ours to report the inflows and outflows on personal and business accounts to the IRS.

Recent Independent Community Bankers of America polling conducted by Morning Consult found that 67 percent of voters oppose the proposal, which would be an excessive government intrusion that could hurt small businesses by double-taxing their income.

If you want to make your voice heard by policymakers or learn more about this proposal, visit We value your business and privacy and want to make sure you have all the information you need regarding your finances and your money.

Please let us know if you have any questions. We look forward to continuing to serve you and our community as the Smart Choice for Your Money!

August 23, 2021

F&M Bank Hires John Hammock

F&M Bank has added John Hammock as VP/Commercial Lender in Hendersonville.

Hammock has vast expertise in commercial lending and serving the needs of small business customers. “We are pleased to have John join our team,” said Sammy Stuard, President/CEO.

In addition to his experience in the financial services industry, Hammock earned a bachelor’s degree in business administration and finance from Tennessee Technological University and is also a graduate of The Southeastern School of Commercial Lending, The Southeastern School of Advanced Commercial Lending, ABA National Commercial Lending School and the ABA Graduate Commercial Lending School.

Hammock may be reached by phone at 615-338-3821 or by email at NMLS #585603

 News - John Hammock


August 16, 2021

F&M Bank Hires Toome Brandon

 News - Toome Brandon

F&M Bank has added Toome Brandon as VP/Commercial & Construction Lender. Toome will join an experienced banking team working at the bank’s full-service office located at 1701 West End Avenue in Nashville.

“We are excited to add Toome to the F&M team and bringing him on board as we open our Nashville office. His proven commitment to assisting his customers will add strength to our strategic growth plan for our newest location,” said Sammy Stuard, F&M Bank President/CEO.

With over seventeen years of experience in commercial and construction lending, Toome is also a graduate of the University of Tennessee.

Toome may be contacted at 615-525-8333 or by email at


August 12, 2021

F&M Bank Opens in Nashville!

“As one of the state’s largest independent banks, we have been serving customers in Middle Tennessee for years, including thousands of mortgage customers in Nashville. Locating a full-service branch on West End Avenue is a natural next step for F&M Bank. We plan to bring our traditional financial principles and personalized customer service to West End and continue to build our market position as a premier community bank,”  said Sammy Stuard, F&M Bank President/CEO.

Come see us!

1701 West End Avenue, Nashville, TN 37203. 


News - Midtown

July 26, 2021

F&M Bank Plans First Kentucky Location

News - Hopkinsville

Clarksville, TN - F&M Bank recently announced plans to expand across the TN/KY state line into Christian County. Pending regulatory approval, the office will be located at 1002 S Virginia St. in Hopkinsville, KY.

“Historically, we have held a strong presence on FDIC Market Share reports for the Clarksville, TN-KY Metropolitan Statistical Area [MSA]. Our expansion into Christian County is a natural progression in our strategic growth plan. With the guidance of EVP John Peck and VP Ryan Milauskas, this office will be convenient for our new and existing customers in Christian, Todd and Trigg Counties,” said Sammy Stuard, F&M Bank President/CEO. EVP John Peck stated, “We are excited to be part of the F&M Bank team and look forward to working in historic downtown Hopkinsville.”


June 15, 2021

World Elder Abuse Awareness Day - June 15

Be on the Lookout for Elder Financial Abuse Scams

It’s an all too unfortunate reality that older adults are attractive targets for financial exploitation because they tend to possess more wealth than other potential victims. This is wealth that in many instances has been accumulated over their lifetime through hard work and conscientious saving.

The COVID-19 pandemic made the problem even worse with fraudsters coming out of the woodwork. Many of our vulnerable citizens found themselves the victim of scammers pretending to assist with COVID-19 related services and using medical and other ill-gotten personal information to perpetrate fraud and rob them of their life savings.

At F&M Bank we’ve taken a proactive approach to detecting and preventing financial fraud against older customers through routine employee training and the use of technology to spot red flags and report suspicious activity to authorities. Additionally, we sponsor the Senior Housing Crime Prevention Foundation. Their programs protect and educate residents and staff at local senior housing facilities on how to prevent elder financial abuse.

With World Elder Abuse Awareness Day happening on June 15, we wanted to provide our nation’s seniors and their family members with tips to guard against financial exploitation.

Medicare/Health Insurance Scams

It is difficult to imagine that someone could prey on those in need of medical assistance, but unfortunately, Medicare fraud is all too common. Criminals are posing as Medicare or medical supply representatives to obtain personal information or provide bogus services and using the information to bill Medicare or assume an identity to perpetrate fraud.

Another COVID-19 related scam centers around a FEMA program to assist with funeral expenses. While this is a legitimate program, and you can reach out to FEMA to apply for these benefits, citizens should be mindful that:

  • FEMA will not contact you until you call or apply for assistance.
  • The government won’t ask you to pay anything to get this benefit.

As a good rule of thumb never share personal or financial information with anyone who contacts you out of the blue.

Zoom Phishing Emails and Internet Fraud

At the onset of the pandemic con artists registered thousands of fake Zoom-related internet domains to send phony emails, texts or social media messages to trick consumers into clicking on bogus links related to purported “account suspension” or “meeting” notices. Those that took the bait inadvertently downloaded malware (malicious software) on their computer, exposing their personal information to potential use by fraudsters.

Internet scammers are also known for sending fake text messages alleging trouble with an internet account, credit card, bank account or shopping order. Many even contain realistic looking logos to lure you into clicking on a link and divulging personal information.

To limit your exposure, avoid clicking on links from unsolicited emails or texts. If you suspect a problem with an account contact the bank or service provider directly.

Telemarketing/Phone Scams

Seniors schooled in etiquette may frown upon “hanging up the phone” or simply saying “no” to unsolicited calls, but it also leaves the door open to criminals posing as company representatives. Three notable examples include:

  1. The pigeon drop where con artists pretend to share found money in exchange for a “good faith” payment drawn from the contacted person’s bank account.
  2. The fake accident ploy where con artists create a false narrative that a loved one has been injured in an accident and needs money for medical expenses.
  3. Charity scams where con artists solicit funds on behalf of a charity for which they are not affiliated with or is not legit.

Remember, if it’s too good to be true it probably is. If you want to give go directly to the source. And if you are worried about a friend or family member, verify the information with them directly.

Scams are always changing. This year’s pandemic fraud will be replaced by a new and creative scheme next year. The Federal Trade Commission has a “scam alert” page with information about the ever-changing ways that scam artists target consumers, at

And as trusted stewards of our customer’s financial data, feel free to reach out to F&M Bank. Our employees can help you spot potential scams and take appropriate measures to protect your account if you suspect you have been a victim of financial fraud.

May 12, 2021

Miller to Lead Treasury Solutions

 News - Kimberly Miller

CLARKSVILLE, TN – F&M Bank has hired Kimberly Miller as VP/Treasury Solutions Officer. Miller has a decade of working in the financial services industry. Her previous experiences include bank partner development with focuses on small business, commercial, mortgage, treasury management and merchant services.

Miller attended Western Kentucky University. She is an active member of several local non-profit and professional organizations. “Kim will bring a wealth of experience and guidance as we promote treasury solutions for our business clientele.” said Sammy Stuard, President/CEO. Miller will be located in the F&M Bank Main Office in historic downtown Clarksville. She can be contacted by email

May 10, 2021

Restaurant Revitalization Fund - The American Rescue Plan Act established the Restaurant Revitalization Fund (RRF) to provide funding to help restaurants and other eligible businesses keep their doors open. This program will provide restaurants with funding equal to their pandemic-related revenue loss up to $10 million per business and no more than $5 million per physical location. Recipients are not required to repay the funding as long as funds are used for eligible uses no later than March 11, 2023.

Who can apply?

Eligible entities who have experienced pandemic-related revenue loss include:

  • Restaurants
  • Food stands, food trucks, food carts
  • Caterers
  • Bars, saloons, lounges, taverns
  • Snack and nonalcoholic beverage bars
  • Bakeries (onsite sales to the public comprise at least 33% of gross receipts)
  • Brewpubs, tasting rooms, taprooms (onsite sales to the public comprise at least 33% of gross receipts)
  • Breweries and/or microbreweries (onsite sales to the public comprise at least 33% of gross receipts)
  • Wineries and distilleries (onsite sales to the public comprise at least 33% of gross receipts)
  • Inns (onsite sales of food and beverage to the public comprise at least 33% of gross receipts)
  • Licensed facilities or premises of a beverage alcohol producer where the public may taste, sample, or purchase products

How to Apply

You can apply through SBA-recognized Point of Sale (POS) vendors or directly via SBA in a forthcoming online application portal. Visit the SBA website.

What can the funds be used for?

Funds may be used for specific expenses including:

  • Business payroll costs (including sick leave)
  • Payments on any business mortgage obligation
  • Business rent payments (note: this does not include prepayment of rent)
  • Business debt service (both principal and interest; note: this does not include any prepayment of principal or interest)
  • Business utility payments
  • Business maintenance expenses
  • Construction of outdoor seating
  • Business supplies (including protective equipment and cleaning materials)
  • Business food and beverage expenses (including raw materials)
  • Covered supplier costs
  • Business operating expenses

For full program details and up to date information, visit the U.S. Small Business Administration website.

May 4, 2021

Sabertooth Sports & Entertainment, LLC, F&M Bank Enter Partnership

News - MPEC 1

News - MPEC 2

News - MPEC 3

News - MPEC 4

Nashville, Tenn. (May 4, 2021) - Sabertooth Sports & Entertainment, LLC (SS&E) announced today it has executed a multi-year naming rights agreement on behalf of the Montgomery County Event Center in Clarksville, Tenn., with Clarksville-based F&M Bank. Sabertooth Sports & Entertainment is owned and operated by Predators Holdings, LLC.

A name and logo for the venue will be announced at a later date.

"Montgomery County Mayor Jim Durrett had a very specific vision for the region, with the driving force for that being a dynamic event center right in the heart of Clarksville," Nashville Predators President and CEO Sean Henry said. "City of Clarksville Mayor Joe Pitts and Austin Peay State University Athletic Director Gerald Harrison jumped on board with their own visions for what the event center could do for their city and school, respectively. These three individuals and their passion put us on the right track to create something special. The one thing we were missing was a dynamic, community-minded business leader to fully bring that project to life, and you can't ask for a more community-centric individual than F&M Bank President and CEO Sammy Stuard. The core values at F&M Bank align so well with what we will achieve with this event center. No matter what the last name of the center will be called - forum, stadium, coliseum, hippodrome or arena - it won't matter, because the first portion being F&M Bank all but guarantees our success."

Full Press Release at

 May 3, 2021

Peck Joins F&M Bank

CLARKSVILLE, TN – John Peck has recently accepted a position of Executive Vice President with F&M Bank. “John’s vast experience in commercial and retail lending, strong leadership skills and exceptional knowledge of the communities we serve, make him a perfect addition to our leadership team.” said Sammy Stuard, President/CEO.

Peck has an impressive resume of banking experience spanning over a thirty-year career. He earned a Bachelor of Science degree in Business Administration and is a graduate of LSU School of Banking. With an extraordinary background in financial services, organizational management and strategic planning, Peck stated, “I am proud to join the progressive team at F&M Bank. I look forward to working with everyone to continue the bank’s success in existing markets, while looking for opportunities to expand the institution’s footprint.”

News - John Peck

April 19, 2021

F&M Bank Announced Several Promotions

Sammy Stuard, President/CEO of F&M Bank announced the promotion of the following employees:

News - JoRene Jezwinski


JoRene Jezwinski

Senior Vice President/ISO/Director of Bank Operations, Security and Branch Administration

Clarksville | Administrative Services Center

News - Tim Chowning


Tim Chowning

Senior Vice President, Lender


News - Brad Edwards


Brad Edwards

Senior Vice President, Lender


News - Melanie Hadley


Melanie Hadley

Senior Vice President, Lender

Clarksville | Main Office

News - Albert Hargis


Albert Hargis

Senior Vice President, Lender


News - Sally Lee


Sally Lee

Senior Vice President, Lender

Clarksville | Main Office

News - John Rudolph


John Rudolph

Senior Vice President, Lender

Clarksville | Main Office

News - Dawn Ulrich


Dawn Ulrich

Senior Vice President, Lender

Clarksville | Sango

News - Bryan Watson


Bryan Watson

Senior Vice President, Lender


News - Carrie Hendrick


Carrie Hendrick

Vice President, Assistant Controller

Clarksville | Administrative Services Center

News - Mary Beth Thomas


Mary Beth Thomas

Senior Vice President, Lender

Clarksville | St. Bethlehem

News - Sallie Eley


Sallie Eley

Assistant Vice President, Lender

Clarksville | Main Office

News - Cheri Raulerson


Cheri Raulerson

Assistant Vice President, BSA

Clarksville | Administrative Services Center

 News - Brittany Trainor

Brittany Trainor

Assistant Vice President, Accounting

Clarksville | Administrative Services Center

April 16, 2021

F&M Bank Adds Milauskas to Commercial Lending Team

 News - Ryan Milauskas

CLARKSVILLE, TN - F&M Bank recently announced the addition of Ryan Milauskas as VP/Commercial Lender. Prior to joining the F&M Bank commercial team, Milauskas established a successful career by working more than fifteen years in the local financial services industry. Temporarily, Milauskas will be operating out the St. Bethlehem office located at 2601 Wilma Rudolph Blvd in Clarksville.

Milauskas earned a graduate degree in banking at LSU and also holds a Bachelor of Science degree from the University of Kentucky with a major in agricultural economics and a minor in business. “We are excited to add Ryan to our team. He adds a wealth of knowledge and community involvement to our expanding commercial lending and business banking program,” said Sammy Stuard, President/CEO. “His work experience and regional involvement will be very beneficial in our corporate strategic plan.” Ryan can be reached by email at or by phone at 270-305-6037.

April 2, 2021

F&M Bank Launches Financial Literacy Program

F&M Bank is extremely excited to announce a multi-generational approach to financial literacy by adding a youth program to their online education offerings.

The F&M Financial Tools online resource page will now include a series of digital lessons designed specifically for 7th-12th grade students. The five digital lessons were created by EVERFI, our partner in financial education. Each mobile-friendly lesson covers important financial topics including savings, investing, income, debt and more. F&M Bank is the first financial institution in the state of Tennessee to offer this program.

“We are very excited to improve the Online Education Center on our website to attract middle and high school students. Due to changes in instructional methods, we felt the need to provide a virtual approach to assist in financial literacy. Our kickoff will be during the Tennessee Bankers Association’s annual Financial Literacy Week (April 5-10, 2021). In addition to the online resource, we have scheduled activities throughout the markets we serve. We are very excited to receive feedback from students.” said Macy Mayfield, F&M Bank Marketing Communication Specialist.

Visit our Online Education Center and start learning today!

 News - Macy Fin Lit

March 5, 2021

Wings of Liberty Military Museum Model at F&M Bank Main Office

The Wings of Liberty Museum is the current project of the Fort Campbell Historical Foundation. You can view the model in the lobby of our Main Office at 50 Franklin Street - Downtown Clarksville. 

"This museum represents and honors the legacy of service and sacrifice of every American who served in the divisions that call Fort Campbell home. Our dream for the visitors of the Wings of Liberty Museum is that they will leave with a deeper appreciation and renewed respect for what was given to them.

We hope that every visitor will leave with a renewed commitment to community, country and citizenship. As well as a deeper appreciation for the values that define the U.S. Army, the U.S. Military and ultimately–our country."

For more information, visit the Fort Campbell Historical Foundation website.

 News - Wings of Liberty Museum

March 1, 2021

Cartner Joins F&M Bank

News - Albert Cartner 

SPRINGFIELD, TN - F&M Bank recently announced the hiring of Albert Cartner as VP/Commercial Lender. Cartner will join the Robertson County team and be located at 3519 Tom Austin Hwy in Springfield.

“We are excited to add Albert’s expertise to our strong foundation in Robertson County. His enthusiasm for helping customers will be beneficial to our growing market share,” said Sammy Stuard, F&M Bank President/CEO.

With over 15 years banking experience, Cartner has a proven strength in building consumer and commercial banking relationships. He is a graduate of Murray State University and the Graduate School of Banking at Louisiana State University.

Cartner may be reached at 615-384-6228 or NMLS #652453

February 18, 2021

F&M Bank Participates in the Welcome Home Program


Information for Homebuyers

The Federal Home Loan Bank of Cincinnati (FHLB Cincinnati) offers grants of up to $7,500 for honorably discharged
veterans, surviving spouses of military personnel, and active duty military homebuyers and up to $5,000 for all other
homebuyers to assist with down payment and closing costs for income eligible homebuyers through the Welcome Home
Program (WHP). Homebuyers must apply and qualify for a mortgage loan with an FHLB Cincinnati Member financial institutions to
utilize the grant.  F&M Bank is a member. 

Who are Eligible Homebuyers?

A homebuyer would be eligible for the Welcome Home grant if all of the following guidelines are met:

  • The total income for all occupants who will reside in the home is at or below 80 percent of the Mortgage Revenue Bond
    (MRB) limit for the county and state where the property is located;
  • A fully executed (signed by buyer and seller) purchase contract on an eligible property is in hand;
  • The homebuyer has at least $500 of their own funds to contribute towards down payment and/or closing costs; and,
  • If a first-time homebuyer (typically anyone who has not owned a home in the last three years), a satisfactory homebuyer
    counseling course is completed prior to the loan closing. Note: Applicants do not have to be first-time homebuyers.

What is an Eligible Property?

A property would be eligible if all of the following guidelines are met:

  • The property will be the homebuyer’s primary residence;
  • The property is a single family, townhome, condominium, duplex, multi-unit (up to four family units) or a qualified
    manufactured home. (Manufactured homes may be eligible if they are taxed as real estate and affixed to a permanent
    foundation); and,
  • The property is subject to a legally enforceable five-year retention mechanism, included in the Deed or as a Declaration
    of Restrictive Covenants to the Deed, requiring the FHLB Cincinnati be given notice of any refinancing, sale,
    foreclosure, deed in-lieu of foreclosure, or change in ownership during the five year retention period.

How Do I Apply?

For more program information, homebuyers should contact an F&M Mortgage Lender today!

Find an F&M Mortgage Lender


January 14, 2021

F&M Bank President/CEO Adds to the Locations Map

Clarksville, TN - F&M Bank recently announced plans to open its first full service banking facility in midtown Nashville. Pending regulatory approval, the branch will be located at 1701 West End and will be the bank’s nineteenth full-service facility located in middle Tennessee.

“Davidson County is a natural progression in the next phase of our strategic plan. Currently with banking and mortgage facilities surrounding the Nashville area, we have built a strong team of individuals providing quality financial service. As we continue to grow our market, expand products and service offerings and support local organizations, we look forward to welcoming customers to this facility.” said Sammy Stuard, F&M Bank President/CEO.

News - Sammy with Map

January 13, 2021

A New Look for MYFMBANK.COM!

New Web look

We've given a new design from top to bottom to ensure it is fully compatible however you like to connect with us. We have also added a few new features to ensure your experience is accessible and personal to you. Anytime. Anywhere.

Attention Online Banking Users: Your User ID, Password and Online Banking experience have not changed.

For questions or additional information, call 1.800.645.4199 or send us a secure email.

November 6, 2020

F&M Bank Hires Grady Payne

Murfreesboro, TN - F&M Bank recently announced the hiring of Grady Payne as Branch Manager/Lender for its Murfreesboro office.

“We are excited to add Grady to our F&M Bank team in Rutherford County. His extensive experience in building customer relationships and providing financial solutions will be essential as we broaden our footprint in Murfreesboro,” said Sammy Stuard, F&M Bank President/CEO.

Payne has previously held the position of a senior licensed financial service representative, in addition to several positions in retail store management. He is a graduate of Carson-Newman University with a Bachelors of Science degree in Business Management. Payne also serves as a volunteer basketball coach for the YMCA & Murfreesboro Rec League.

Payne is located at 802 Memorial Blvd, Murfreesboro, Tennessee. He may be contacted by email at or by phone at 615-867-9728. NMLS #1400164

 News - Grady Payne

October 20, 2020

F&M Bank Honored with ABA Foundation Community Commitment Award - Recognized for Support of Military

News - ABA Community Commitment Award


News - Sammy & Charlie ABA Award

Clarksville, TN – F&M Bank was nationally recognized by the American Bankers Association Foundation for its Operation: Partners Serve program with a 2020 ABA Foundation Community Commitment Award. The award was given to F&M Bank for its efforts in the supporting military families category and was presented during ABA’s Unconventional Convention on Oct. 20.

Entries were divided into seven categories including affordable housing, community and economic development, financial education, economic inclusion, protecting older Americans, supporting military families and volunteerism. Award winners were chosen by a field of nationally-recognized experts.

The selection committee chose the winning banks based on the creativity and thoughtfulness of programs — traditional or innovative in nature and structure — that embody the ideals of corporate social responsibility and demonstrate success in measurable terms.

“F&M Bank saw an opportunity to improve the lives of those in their communities and took action,” said Corey Carlisle, executive director, ABA Foundation. “The Operation: Partners Serve program made a meaningful difference on the Ft. Campbell, KY military base and throughout middle Tennessee. We hope their work serves as a blueprint for others throughout the industry.”

“We are always working to find new and innovative ways to positively impact the communities we serve,” said Sammy Stuard, Pres/CEO. “Through a variety of independent and collaborative programs, F&M Bank’s OPERATION: Partners Serve provides resources and opportunities for active duty and retired military and their families. OPERATION: Partners Serve initiatives include Brunch for the Brave, Campbell Combat Ceremonies, Spouses Tour of Downtown Clarksville, Run for the Wall, and Turkeys for Troops. We are humbled and honored to accept this award for our efforts.”

To learn more about the ABA Foundation Community Commitment Awards, visit

August 26, 2020

F&M Bank Adds Jamie Webb as VP/Commercial Lender

Jamie Webb

CLARKSVILLE, TN - F&M Bank recently announced the addition of Jamie Webb as VP/Commercial Lender.

Webb has over twenty years of experience the financial services industry most recently working with commercial lending and management, commercial real estate and business development. He is a graduate of Austin Peay State University and the TBA Southeastern School of Commercial Lending.

We are extremely pleased that Jamie has joined F&M Bank. He will be a tremendous addition to our commercial lending team.” said Sammy Stuard, F&M Bank Pres/CEO.

Webb is located at the F&M Bank Main Office in historic downtown Clarksville. He can be contacted by phone 931-245-4274 or via email at
NMLS #929184

August 3, 2020

F&M Bank Hires Robert Fowler

GREENBRIER, TN - F&M Bank recently announced the hiring of Robert Fowler as AVP/Lender. Fowler will be working at the F&M Bank facility located at 2286 Hwy 41 S in Greenbrier, Tennessee.

“We are excited to add Robert to our F&M Bank team in Robertson County. As we continue to grow our market, expand products and service offerings, and support local organizations, his familiarity with the area will add valuable insight.” said Sammy Stuard, F&M Bank President/CEO.

Fowler has previously held positions as a consumer lender and a financial relationship specialist. His community service activities include president of the Springfield Kiwanis Club, treasurer of the Western Star Lodge, deacon at Springfield Baptist Church and an active member of the Robertson County Chamber of Commerce. He is a graduate of the University of TN.

Robert may be reached at 615-643-6122 or NMLS #882847

News - Robert Fowler

July 29, 2020

F&M Bank Hires Justin Hays

Justin Hayes

HENDERSONVILLE, TN - F&M Bank recently announced the hiring of Justin Hays as VP/Commercial Lender. Hays will be working at the F&M Bank facility located at 221 Indian Lake Blvd in Hendersonville, Tennessee.

“Justin has an impressive resume of commercial lending and retail banking experience in Sumner County. We are excited to add his experience and enthusiasm to our growing market,” said Sammy Stuard, F&M Bank President/CEO.

With over 14 years banking experience in lending and sales management, Hays is a lifelong resident of Gallatin, TN. He is graduate of Vol State, a founding committee member for Leadership Gallatin and has served in various other community organizations.

You may reach Justin at 615-338-3842 or NMLS #611395

July 17, 2020

County's Chambers, Community Banks Join Forces to Encourage Shopping Local

(TennCommUNITY.jpg) LEBANON, TENN. – As many area businesses fight to survive the impact of continued coronavirus outbreaks, a new campaign uniting Wilson County’s chambers and community banks has hopes of boosting commerce and support for local merchants.

Beginning July 17, a campaign called TennCommUNITY is designed to help with recovery by strengthening businesses and the economy at the local level. Driven by a partnership among the Lebanon, Mt. Juliet and Watertown chambers and eight local community banks, the campaign will have an online base at Its mission includes providing advertising and marketing efforts for local businesses, contributed by the network of partners.

“Our small businesses are the heartbeat of each city in Wilson County. As your Chamber, we are asking our communities to support their businesses – all day, every day. They have given us the quality of life that makes Wilson County such a wonderful place to live, work and play,” Lebanon Wilson County Chamber President Melanie Minter said. “Thank you to the community banks in their unified effort to make this initiative possible. We love and appreciate all local businesses in Wilson County. Together we will rise and be stronger than ever.”

The Mt Juliet Chamber is proud to support the TennCommUNITY initiative in support of local businesses. “These are extraordinarily challenging times for our businesses,” Mt. Juliet Chamber of Commerce President Mark Hinesley said. “As a community, we often ask our small businesses to support our volunteer and fundraising efforts. By shopping local, TennCommUNITY is a chance to show our support for all they have done for our communities. Now more than ever, please shop local!”

Watertown is also part of the movement. “Small businesses are so much more than just a place for goods and services, they are places where relationships are developed and friends are made. As Chamber President and a small business owner of a flower shop, I see people at their worse and best. Many times I feel like I need a degree in psychology to help, but my helping comes from the services I provide on a personal level. These relationships and bonds that we develop sustain small businesses. I receive referrals and repeat customers through these relationships. Without the support of their customers, small businesses would not exist,” Watertown Chamber of Commerce President Becky Dungy said. “Please share our enthusiasm as we kick off this initiative to keep the American spirit alive. Shopping local businesses is a way to support the lifestyle we all appreciate.”

The TennCommUNITY campaign will continue through the end of 2020. The local banks that have signed on as support partners are Bank of Tennessee, CedarStone Bank, F&M Bank, First Freedom Bank, Liberty State Bank, Pinnacle Financial Partners, Southern Bank of Tennessee and Wilson Bank & Trust.

News - Team Community


June 26, 2020

F&M Investment Services Expand Franklin Team

Leo Silva

F&M Investment Services recently announced the hiring of Leandro (Leo) Christiano Silva as a Raymond James Financial Services financial advisor in their F&M office in Franklin, Tennessee.

“We are excited to add Leo to our team. His expertise in wealth management and financial planning along with his diverse resume of experience in relationship building will be beneficial in our Franklin and Brentwood markets,” said Clark Nicholson, VP F&M Investment Services.

With an impressive record of awards and professional accomplishments, for over ten years, Silva also has been recognized as a CERTIFIED FINANCIAL PLANNER™ professional, a Chartered Financial Consultant, a Chartered Retirement Plan Specialist and holds both Series 7 & 66 and Life/Health Insurance licenses. In addition to his professional accomplishments, Silva is an alum of Middle Tennessee State University earning a BBA with finance major and Business Administration minor as well as a MBA with a concentration in finance. He was also a participant in the Williamson County Young Leaders Council.

Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC and are not insured by bank insurance, the FDIC or any government agency, are not deposits or obligations of the bank, are not guaranteed by the bank and are subject to risks, including the possible loss of principal. Investment advisory services are offered through Raymond James Financial Service Advisors, Inc. F&M Bank and F&M Investment Services are not registered broker/dealers and are independent of Raymond James Financial Services. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design) and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.

June 11, 2020

2020 Census: Shape Your Future Today!

Every 10 years, the US Census Bureau undertakes a mammoth task: counting all the people residing in the United States. This count affects the allocation of funding for our community’s public resources (e.g., roads, hospitals, schools), how we plan for the future, and our voice in government. Learn more about the importance of the 2020 Census and how to participate:

April 3, 2020

F&M Bank Offers Paycheck Protection Program Package

We are ready to help our small business clients access the U.S. SBA Payment Protection Program as part of the CARES Act.

Please be patient as the SBA and the Department of Treasury work through the application process. As with all loans, there are certain criteria that must be met by the business, including documentation of expenses. F&M Bank is approved to offer loans through the Payment Protection Program and has lenders on hand on hand to work with you in securing the forms.

What to do with the completed package?
After completing the application and compiling all required documentation, you may drop off via your local drive thru or email to your local lender. If you do not have a local lender, please email the completed application and all required documentation to

We will continue to stay apprised of the program details so that we have the latest information as it develops.
Find additional information from the U.S. Department of the Treasury.

March 31, 2020

U.S. Government Passes Cares Act

The U.S. government recently passed the Coronavirus Aid, Relief, and Economic Security (CARES) Act to help businesses, families, and individuals make ends meet during the coronavirus crisis. The bill allocated $350 billion specifically to assist small businesses, helping them maintain employees and giving them capital to keep things running. This Coronavirus Emergency Loans Small Business Guide and Checklist provided by the U.S. Chamber of Commerce, will help answer any questions you might have.

We are here to help you make the Smart Choice for your Small Business! If you have questions or want to request more information, contact your local lender.

March 25, 2020

F&M Bank Hires James Church

CLARKSVILLE - F&M Bank recently announced the hiring of James Church as VP/Commercial Lender. He will be working at the F&M Bank facility off Tiny Town Road.

“James adds a comprehensive skill set in lending and business banking. His expertise and enthusiastic approach to customer service will enhance our increasing focus on assisting area businesses.” said Sammy Stuard, F&M Bank President/CEO.

With an impressive record of awards and professional accomplishments, James has held several positions in financial services industry for more than 14 years. He has Mortgage Background, Consumer Banking and Business Banking, and owns a few businesses himself. He currently serves on an Advisory Board for APSU for Tennessee Small Business Development Center.

News - James Church


March 17, 2020

An Important Message From Our CEO Regarding COVID-19 Readiness

At F&M Bank, we are taking a number of proactive steps to ensure you have uninterrupted access to our banking services, while protecting the health and safety of our customers and our employees.

To that end, like many banks, we have activated our Pandemic Contingency Plan as a precautionary step in response to COVID-19. Our response teams across the bank are meeting regularly to ensure that we can continue to meet your financial needs.

We recognize the Pandemic represents a once in a lifetime event and not another version of a flu season. I can assure you that steps are being taken to help shield our employees, customers and their families, from the negative impacts of this national disaster. At this time, we are providing accommodations for some employees to work remotely, if the position allows. We are also providing regular assessments and outlets for employee input. We are reminding everyone that we are all in this together!

In addition to our employees, we are coordinating with our suppliers and vendors to make sure that your service remains unchanged even as we remain in touch with authorities like the CDC.

While not a comprehensive list, the Plan calls for:

  • Increased cleaning and sanitization efforts at our locations while reinforcing healthy habits for our staff;
  • Keeping our products and services fully available to you;
  • Monitoring the financial markets and discussing options for customers to meet their changing financial needs;
  • Modifying, postponing or cancelling large meetings; and
  • Enhanced risk monitoring and management

Ways you can help:

  1. Stay up to date. For more information on this upper respiratory flu like illness, including actions you can personally take to help stop the spread of respiratory diseases, visit the Centers for Disease Control and Prevention (CDC).
  2. Access your account from home 24/7 via Online Banking and/or Mobile Banking. Not enrolled in Online Banking? Enroll today!
  3. Beware of scams and criminals using fear/intimidation, trickery, urgency or disinformation related to the coronavirus (COVID-19) to attempt to steal your sensitive, personal or account information. F&M Bank will never request such information through email/text/outbound calls. Always check your account statements for official websites and customer service numbers, and call those numbers directly rather than giving out information over the phone/email/text.

F&M Bank is committed to being a responsible partner in the communities we serve. Rest assured that we are taking every measure to limit the impact of COVID-19 on our operations while safeguarding employees and customers alike.

In addition to email communications, updates to any changes in branch hours of operation will be posted on our website and social media.

Be sure your contact information is up to date.

News - William-S-Stuard-Jr-Signature

William S. Stuard, Jr.
President, CEO, COB

February 6, 2020

Tarrents Joins F&M Bank

News - Julie Tarrents

CLARKSVILLE, TN - F&M Bank recently announced the addition of Jamie CLARKSVILLE, TN – F&M Bank has named local banker, Julie Tarrents, Vice President and lender for its Hilldale Office in Clarksville. Tarrents, a Clarksville native, has over twenty-five years of experience in providing banking services including commercial lending, treasury management services, business banking and consumer lending. She received a graduate banking degree from Louisiana State University and a Bachelor of Business Administration degree from Austin Peay State University. Tarrents is also a graduate of Leadership Clarksville and active member of the Downtown Clarksville Civitan.

“We are pleased to have Julie joining our F&M Bank team as she brings a strong background of customer service, community involvement and financial expertise” stated Sammy Stuard, President and CEO of F&M Bank. Tarrents can be reached by calling 931-551-4555 or by email at



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