The F & M Bancshares, Inc. All Credit Levels is a cdfi lender from F & M Bancshares, Inc.. F & M Bancshares, Inc. is a bank located in Trezevant, TN, providing a range of financial services to individuals and businesses in the local community. The institution focuses on supporting economic development through various lending options tailored to meet the needs of its customers. Services include: business loans, personal loans, mortgages, auto loans. US Treasury certified CDFI Bank/Thrift in Trezevant, TN.