F&M has 30 offices and over 34 ATMs located in Fulton, Williams, Henry, Defiance, LucasWood, and Hancock counties in Ohio, as well as Adams, Allen, DeKalb, Jay, and Steuben Counties in Indiana. Toward the end of 2007, F&M opened a new office in Perrysburg and expanded into Indiana with offices in Butler and Auburn. In August 2008, F&M opened a new full-service office in Angola, Indiana. In July of 2010, F&M expanded into Hicksville, Ohio.
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