Welcome to Farmers & Merchants Bank website. You are very important as a customer to us and it is our hope that you are not only a satisfied customer, but that you feel a part of the Farmers & Merchants Bank family.

Farmers & Merchants Bank has been an independent, community bank since 1922. The main office is conveniently located in the heart of Eatonton in an attractive three-story building constructed in 1992 complete with traditional-style furnishings and modern banking equipment and technology. Our new branch at Harmony Crossing on Lake Oconee opened in March 2005. We feel these two locations are important factors in rendering personal and professional service to our customers and potential customers.

It is our objective to provide a variety of quality banking services and products to the people of Putnam County, and the surrounding area. We believe it is good business for us to treat our customers with courtesy and consideration at all times and to keep your business confidential. We want you to be WOWed by our customer service experts. Our goal is to offer a few pleasant words, a happy smile, and to greet you by name when transacting your business. We promise to go beyond those simple expectations and handle each person's transactions, problems and concerns, and financial needs by living the Golden Rule - simply treating you as we would want to be treated. We hope this will be important to you in establishing a long lasting banking relationship with us.