OLSEN PALMER ADVISES F&M FINANCIAL CORPORATION IN SALE TO F&M BANCORP, INC.

Washington, D.C. – Olsen Palmer is pleased to announce that F&M Financial Corporation, parent of Clarksville, Tennessee-based F&M Bank, has agreed to be acquired by F&M Bancorp, Inc., a newly-formed bank holding company solely owned by Gaylon Lawrence Jr.

With $857 million in assets, F&M Bank ranks among the 20 largest Tennessee-based banks, operating 17 branches across 7 counties.

Upon consummation of the merger, F&M Bank will remain intact with F&M’s existing name, charter, management, employees, and board of directors remaining in place. The transaction is expected to close by or before the end of 2015.

Mr. Lawrence, through his holdings in The Lawrence Group, currently owns five other banks, including the Arkansas-based parent company of Tennessee Bank & Trust which currently serves Tennessee through branches in Cool Springs and Green Hills.

Olsen Palmer LLC served as exclusive financial advisor and issued a fairness opinion to F&M Financial Corporation.

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About Olsen Palmer LLC

Olsen Palmer is an independent investment banking firm that advises community banks across the full spectrum of Mergers & Acquisitions. We apply a community banking model to investment banking: Olsen Palmer is a nimble, high-touch firm, free of conflicts and focused solely on helping our clients realize their strategic goals. The principals of Olsen Palmer have collectively been advising financial institutions for three decades, including on over 50 completed M&A transactions with values as large as $4 billion.