Welcome to Farmers and Merchants State Bank
"Hometown Banking with Your Neighbors and Friends" 

                      
CONGRATULATIONS to all area
 
Graduates from everyone at the

 Farmers and Merchants State Bank!!

Looking for a great graduation gift?  Stop in and 
check out one of our VISA Gift Cards - Good anywhere
VISA cards are accepted!

 The Farmers and Merchants State Bank now offers access to your accounts
online, 24 hours a day, 7 days a week.  Stop in for an Internet Banking
demonstration and get signed up today!

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS   All funds in a “non-interest-bearing transaction account” are insured in full by  the Federal Deposit Insurance Corporation from December 31, 2010, through  December 31, 2012. This temporary unlimited coverage is in addition to, and  separate from, the coverage of at least $250,000 available to depositors under  the FDIC's general deposit insurance rules.   The term “non-interest-bearing transaction account” includes a traditional  checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs").  It does not include other accounts, such as traditional checking  or demand deposit accounts that may earn interest, NOW accounts, money-market deposit accounts.   For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov