F&M Bank director buys 91 shares in Form 4

F&M Bank Corp director John A. Willingham bought 91 shares of common stock on March 19, 2026 at $30.59 per share.

Rhea-AI Filing Summary

F&M Bank Corp director John A. Willingham bought 91 shares of common stock on March 19, 2026 at $30.59 per share. After this transaction, he directly owns 20,941 shares. The shares were acquired from the issuer using proceeds of a quarterly retainer.

Insider Trade Summary

Net Buyer: 91 shares

Net Buy 1 txn

Insider Willingham John A.

Role Director

Bought 91 shs ($3K)

Type	Security	Shares	Price	Value
Purchase	Common Stock	91	$30.59	$3K

Holdings After Transaction: Common Stock — 20,941 shares (Direct)

Footnotes (1)

1. F1. Shares acquired from issuer with proceeds of a quarterly retainer.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction did FMBM director John A. Willingham report?

Director John A. Willingham reported buying 91 shares of F&M Bank Corp common stock. The purchase occurred on March 19, 2026 at $30.59 per share, reflecting a small increase in his directly held ownership stake.

How many FMBM shares does John A. Willingham own after this Form 4?

After the reported transaction, John A. Willingham directly owns 20,941 shares of F&M Bank Corp common stock. This figure comes from the post-transaction ownership line, which summarizes his holdings immediately following the 91-share purchase.

At what price were the FMBM shares acquired in this insider purchase?

The 91 F&M Bank Corp common shares were acquired at $30.59 per share. This per-share price is specified in the transaction details for the March 19, 2026 open-market purchase reported on the Form 4 filing.

Was the FMBM insider purchase made with cash or compensation proceeds?

The shares were acquired from the issuer using proceeds of a quarterly retainer. A footnote explains that the director used retainer proceeds to obtain the stock, linking the transaction to his compensation rather than an entirely separate cash investment.

What type of transaction code is shown on the FMBM Form 4 filing?

The transaction is coded "P," indicating an open-market or private purchase of non-derivative common stock. This code confirms that the filing reflects a buy transaction rather than a sale, gift, or derivative-related exercise event.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 03/23/2026 - 04:20 PM Learn about SEC filing dates

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Willingham John A.

(Last) (First) (Middle)

C/O F&M BANK

205 SOUTH MAIN STREET

(Street)

TIMBERVILLE VIRGINIA 22853

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
F&M BANK CORP [ fmbm ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
03/19/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	03/19/2026		P		91(1)	A	$30.59	20,941	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Shares acquired from issuer with proceeds of a quarterly retainer.

	/s/ Candy F. Barkley, Attorney-in-Fact	03/23/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)