Consolidated Statements of Income (Unaudited) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Interest and Dividend income
Interest and fees on loans held for investment	$ 8,201,000	$ 8,345,000	$ 24,588,000	$ 25,341,000
Interest and fees on loans held for sale	24,000	384,000	161,000	977,000
Interest from money market funds and federal funds sold	55,000	15,000	99,000	336,000
Interest on debt securities	775,000	434,000	1,772,000	626,000
Total interest and dividend income	9,055,000	9,178,000	26,620,000	27,280,000
Interest expense
Total interest on deposits	851,000	1,074,000	2,464,000	3,685,000
Interest from long-term debt	238,000	350,000	762,000	789,000
Interest from short-term debt			0	41,000
Total interest expense	1,089,000	1,424,000	3,226,000	4,515,000
Net interest income	7,966,000	7,754,000	23,394,000	22,765,000
(Recovery of) Provision for Loan Losses	(235,000)	1,000,000	(2,210,000)	3,300,000
Net Interest Income After (Recovery of) Provision for Loan Losses	8,201,000	6,754,000	25,604,000	19,465,000
Noninterest income
Service charges on deposit accounts	300,000	302,000	839,000	888,000
Investment services and insurance income, net	210,000	167,000	736,000	525,000
Mortgage banking income, net	1,176,000	1,621,000	3,874,000	4,521,000
Title insurance income	556,000	543,000	1,607,000	1,386,000
Income on bank owned life insurance	169,000	171,000	502,000	458,000
Low income housing partnership losses	(215,000)	(223,000)	(646,000)	(670,000)
ATM and check card fees	595,000	499,000	1,715,000	1,394,000
Other operating income	165,000	148,000	770,000	513,000
Total noninterest income	2,956,000	3,228,000	9,397,000	9,015,000
Noninterest expense
Salaries	3,655,000	3,470,000	10,540,000	9,414,000
Employee benefits	1,047,000	611,000	3,319,000	2,835,000
Occupancy expense	295,000	278,000	933,000	850,000
Equipment expense	292,000	296,000	888,000	892,000
FDIC insurance assessment	105,000	95,000	309,000	284,000
Other real estate owned, net	0	201,000	0	341,000
Advertising expense	221,000	136,000	554,000	440,000
Legal and professional fees	267,000	160,000	712,000	441,000
Noninterest expense - ATM and check card fee	276,000	264,000	827,000	777,000
Telecommunication and data processing expense	613,000	464,000	1,735,000	1,543,000
Directors fees	111,000	96,000	369,000	325,000
Bank franchise tax	180,000	174,000	532,000	558,000
Other operating expenses	1,439,000	1,159,000	3,742,000	3,089,000
Total noninterest expense	8,501,000	7,404,000	24,631,000	21,808,000
Impairment of long-lived assets			171,000	19,000
Income before income taxes	2,656,000	2,578,000	10,370,000	6,672,000
Income tax expense	319,000	372,000	1,012,000	545,000
Net Income	2,337,000	2,206,000	9,358,000	6,127,000
Dividends paid/accumulated on preferred stock	65,000	65,000	196,000	197,000
Net income available to common stockholders	2,272,000	2,141,000	9,162,000	5,825,000
Net income attributable to non-controlling interest			0	105,000
Net Income attributable to F & M Bank Corp.	$ 2,337,000	$ 2,206,000	$ 9,358,000	$ 6,022,000
Per Common Share Data
Net income - basic	$ 0.71	$ 0.67	$ 2.86	$ 1.82
Net income - diluted	0.66	0.65	2.72	1.76
Cash dividends on common stock	$ 0.26	$ 0.26	$ 0.78	$ 0.78
Weighted average common shares outstanding - basic	3,210,577	3,197,718	3,207,916	3,198,691
Weighted average common shares outstanding - diluted	3,415,904	3,404,378	3,436,034	3,421,290