F&M Bank was incorporated in 1950 for the purpose of offering full service banking to the people of Washington (Wilkes County), Georgia. Since then it has continued to grow and now has branches in Washington, Crawfordville, Lincolnton, Tignall and Martinez. Bank's continued success has been based on: Providing exceptional quality service. Offering competitive financial products that are effectively delivered. Working diligently in its communities to improve quality of life.