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It's tax time ... Let us help!

Preparing your own income tax return can take a lot of time, along with a good deal of planning and patience. The IRS estimates that the average person requires about 13 hours to prepare a tax return. Don't have that kind of time? We can help! From your simple W-2-only return to a more complicated business, we've got the training and experience you need. Call or stop in today to see how nice it can be to just turn it over to a professional!

F&M Security Tip: Back up your files. Eventually, we all have an accident or get hacked. And when we do, backups are often the only way to recover. Backups are cheap and easy; make sure you are backing up all of your personal information (such as family photos) on a regular basis.

Deposit Accounts


We offer a variety of accounts to make it possible to bank YOUR way. From basic checking to money markets and CDs earning competitive interest rates, the choice is yours.

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Loan Products


At Farmers and Merchants State Bank, we understand your needs. We can help with flexible terms that fit your budget. Competitive rates and prompt answers make us the first choice for loans in West Central Illinois.

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Trusts & Investments


With a full service trust department established in 1959, we can provide the professional advice you're looking for. Plan for your future with a wide array of options to meet your needs.

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