“ The entire Warfordsburg Office is staffed with excellent people. It is hard to isolate one. However, I deal mostly with Mary Ann (Johnson) and she always goes out of her way to aid in requested service.  ”

“ Renee Preso and Ken Brookens assisted me in securing a loan to purchase my business and open my business accounts. They both performed above my expectations and I appreciate their help as well as that of the entire Mont Alto Office staff. ”

“ The entire (Mont Alto) staff is very cooperative, always a pleasure to do a transaction with. Each one is caring, helpful and cooperative. They are all star performers in their job. Best group ever dealt with – - - none better. ”

“ I had a desperate need for expert financial assistance, Vicky (Carson) as usual made time for me to discuss this matter with her and I was able to make a good decision on this with her help. She has often been available to assist me with my banking questions anytime. ”

“ I like someone who has the time for you and does not just rush you or can’t take time to listen to you. Mary Ann (Johnson) has always been willing to take care of us and answer questions we may have. ”

“ (Tracie Osman)is the best teller I have ever had the pleasure to meet - for her excellent performance and ability to solve any of my banking problems. My wife feels the same way. ”

“ Ms. (Bev) Umbrell went above and beyond the call of duty to assist me in getting all documentation together and in processing my recent home equity loan. She made the process a joy.  ”

“ Rhetta (Martin) was wonderful to work with (on our mortgage loan)! ”

“ Because of a loan available through F&M, I was able to purchase my first home. Rhetta Martin was extremely helpful and courteous throughout the entire process. She is truly a great example for F&M. I felt very confident in her abilities to finalize my loan. I would definitely recommend F&M services. ”

“ Diana (Sponsellor in the Investment & Trust Services Department) is always there when I need her, with helpful advice and personal attention. ”

“ The Newville Office are always so pleasant, kind and helpful. It is a pleasure to do business with them. That “other bank” in Newville gives me fits! I moved my checking account from them to F&M. When we moved our CD’s, your staff knows what they are doing. ”

“ Barb (Seylar) is always so pleasant and helpful. She has helped us to balance our checkbook . . . and is so kind and concerned and considerate. ”

“ The Hustontown Office staff are professional, ethical, and courteous service at all times to all customers.  ”

“ Phyllis (Amsley-Drawbaugh)provided me exceptional service on my mortgage application process from start to finish. She was not only professional in every way but she was also generous with her time and her knowledge.  ”

“ Allen (Rebok in the Trust & Investment Services Department) has been there when we need him, 365 days a year. He has helped us many times . . . and never fails to return our calls. He's a real asset to your business. ”

“ Avis (Polk) took the time to explain in words that I could understand as far as 401 K terminology goes. She suggested certain investments she believed in and was very well informed where to put my money. I took her advice on where to put my money and so far it has paid off. She also didn’t pressure me or force me to take her advice; she left it to be my decision. She was also very friendly and pleasant. I would also like to add that if I had questions, concerns or problems she was there to help me out. ”

“ Just wanted to take a minute to say "thank you" to the Marion Office. They have been very friendly and helpful. They have been wonderful to deal with everytime. That is the way banking should be.  ”

“ Tax season can be a stressful time for many of us and when I reviewed my 1099B, something didn't look right. I called Chuck Porter near the end of the day and he indicated he would check into it. Early the next morning I received a call from Chuck and he walked me through the transaction in great detail setting my concerns to rest. Chuck is one of the main reasons we have our Investment Management account at F&M. He has always been professional, attentive, and personable in handling our account.  ”