Consolidated Statements of Income (Unaudited) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Interest and Dividend income
Interest and fees on loans held for investment	$ 8,345,000	$ 9,174,000	$ 25,341,000	$ 27,368,000
Interest and fees on loans held for sale	384,000	555,000	977,000	1,377,000
Interest from money market funds and federal funds sold	15,000	131,000	336,000	185,000
Interest on debt securities	434,000	106,000	626,000	350,000
Total interest and dividend income	9,178,000	9,966,000	27,280,000	29,280,000
Interest expense
Total interest on deposits	1,074,000	1,355,000	3,685,000	3,714,000
Interest from short-term debt	0	189,000	41,000	607,000
Interest from long-term debt	350,000	257,000	789,000	704,000
Total interest expense	1,424,000	1,801,000	4,515,000	5,025,000
Net interest income	7,754,000	8,165,000	22,765,000	24,255,000
Provision for Loan Losses	1,000,000	3,750,000	3,300,000	6,800,000
Net Interest Income After Provision for Loan Losses	6,754,000	4,415,000	19,465,000	17,455,000
Noninterest income
Service charges on deposit accounts	302,000	460,000	888,000	1,263,000
Investment services and insurance income, net	167,000	165,000	525,000	487,000
Mortgage banking income, net	1,621,000	907,000	4,521,000	2,252,000
Title insurance income	543,000	434,000	1,386,000	1,116,000
Income on bank owned life insurance	171,000	153,000	458,000	449,000
Low income housing partnership losses	(223,000)	(206,000)	(670,000)	(633,000)
ATM and check card fees	499,000	378,000	1,394,000	1,276,000
Other operating income	148,000	354,000	513,000	699,000
Total noninterest income	3,228,000	2,645,000	9,015,000	6,909,000
Noninterest expense
Salaries	3,470,000	3,570,000	9,414,000	9,037,000
Employee benefits	611,000	821,000	2,835,000	3,455,000
Occupancy expense	278,000	287,000	850,000	857,000
Equipment expense	296,000	306,000	892,000	869,000
FDIC insurance assessment	95,000	0	284,000	167,000
Other real estate owned, net	201,000	107,000	341,000	405,000
Marketing expense	136,000	147,000	440,000	434,000
Legal and professional fees	160,000	220,000	441,000	570,000
ATM and check card fees	264,000	264,000	777,000	670,000
Telecommunication and data processing expense	464,000	420,000	1,543,000	1,207,000
Directors fees	96,000	102,000	325,000	306,000
Bank franchise tax	174,000	195,000	558,000	478,000
Other operating expenses	1,159,000	1,037,000	3,089,000	3,143,000
Impairment of long-lived assets			19,000	0
Total noninterest expense	7,404,000	7,476,000	21,808,000	21,598,000
Income (loss) before income taxes	2,578,000	(416,000)	6,672,000	2,766,000
Income tax expense (benefit)	(372,000)	(307,000)	(545,000)	(75,000)
Net Income (loss)	2,206,000	(109,000)	6,127	2,841
Net income attributable to non-controlling interest	0	78,000	105,000	106,000
Net Income	2,206,000		6,127,000	2,841,000
Net Income (loss) attributable to F & M Bank Corp.	2,206	(187)	6,022	2,735
Dividends paid/accumulated on preferred stock	65,000	79,000	197,000	236,000
Net income (loss) available to common stockholders	$ 2,141	$ (266)	$ 5,825	$ 2,499
Per Common Share Data
Net income (loss) - basic	$ 0.67	$ (0.08)	$ 1.82	$ 0.78
Net income (loss) - diluted	0.65	(0.08)	1.76	0.78
Cash dividends on common stock	$ 0.26	$ 0.26	$ 0.78	$ 0.77
Weighted average common shares outstanding - basic	3,197,718	3,175,192	3,198,691	3,191,719
Weighted average common shares outstanding - diluted	3,404,378	3,175,192	3,421,290	3,191,719