Letter from the Chairman

T. Randy Stevens Chairman & CEO

Hello Neighbor!

Welcome to the Internet home of First Farmers & Merchants Bank.

I wonder what our founders would have thought way back in 1909 if they could see the high-tech ways we conduct business today.

No doubt they'd be amazed — and proud to see that we're still here at the opening of a new century. What they started, we're still providing: community service.

Community service has been our hallmark, no matter how our community lines have been drawn. First it was a single town, then a county, then multiple counties. Now, through E-Neighbor Banking, the world is our community.

We're glad to serve it — and you.

Yours in e-commerce,

T. Randy Stevens
Chairman of the Board