F and m trust chambersburg - Vice President - Credit Department Manager. F&M Trust. Feb 2014 - Jun 20239 years 5 months. Chambersburg, Pennsylvania.

 
The average Credit Analyst base salary at F&M Trust is $54K per year. The average additional pay is $4K per year, which could include cash bonus, stock, commission, profit sharing or tips. The “Most Likely Range” reflects values within the 25th and 75th percentile of all pay data available for this role. Glassdoor salaries are powered by .... Sucurly pass

Financial Services Representative. F&M Trust. Chambersburg, PA. $16 to $17 Hourly. Vision , Medical , Dental , Paid Time Off , Life Insurance , Retirement. Full-Time. Job Description. F&M Trust is looking to hire a Financial Services Representative (FSR) at our West Side Office. As an FSR, one will service current and new customers of the bank.Nothing is more personal than your checking account. That’s why we offer options that are anything but “one size fits all.”. From just the basics, to money saving and interest earning options. No matter which account you choose, all of our accounts include access to a suite of convenience services so you can get Banking Done Your Way ...Contact Us. To become better acquainted with F&M Bank and Trust Company, call us toll free at 877-221-6424 or stop in. We're here to help! 505 Broadway F&M Trust Branch Location at 841 Wayne Avenue, Chambersburg, PA 17201 - Hours of Operation, Phone Number, Address, Directions and Reviews. ... F&M Trust 841 Wayne ... F&M Trust’s Treasury Management Services can help your business put your cash to work more efficiently. We have effective cash management services and tools for generating additional income through reduced service charges, paying down lines of credit or investment. Working with your relationship manager or our treasury management specialists ... F And M Trust Chambersburg, PA (Onsite) Full-Time. Job Details. favorite_border. F&M Trust is looking to hire a Financial Services Representative (FSR) III at our Orchard Park Office. As an FSR III, this individual will provide exceptional customer service by opening consumer, business, and other special accounts, and …In today’s competitive business landscape, establishing a strong and trustworthy brand is essential for success. One of the most effective ways to build trust with your target audi... Our lending experts will help you cut through the headaches and hassles of securing a mortgage. We offer fixed and variable interest rate mortgages, first-time homebuyer mortgages and special program mortgages to meet your needs. Learn more about what kind of mortgage is right for you. All F&M Trust consumer loans are subject to credit approval. The experience and expertise of F&M Trust’s Wealth Management team adds up to security, success and peace of mind for our clients. We invite you to call on any of our wealth management professionals and schedule an appointment to discuss your financial goals. Fill out the following form to email us a question or comment. There are multiple strong contenders for the top spot of America’s most reliable refrigerator brand. When shopping for a new refrigerator, you want one that will stand the test of ...Estate planning is all about deciding who gets what when you die. It helps you enjoy your wealth while still alive as well as providing the maximum benefit for the beneficiaries on...Roughly 13% of the US population has student loan debt, so the topic of loan forgiveness is a popular one. In our new Money Moves article, we discuss who ... F&M Trust Branch Location at 841 Wayne Avenue, Chambersburg, PA 17201 - Hours of Operation, Phone Number, Address, Directions and Reviews. ... F&M Trust 841 Wayne ... She is based at the F&M Trust corporate headquarters in Chambersburg. About F&M Trust: A subsidiary of Franklin Financial Corp., F&M Trust is an independent community bank headquartered in Chambersburg. With approximately $1.2 billion in assets, F&M Trust has twenty-two banking locations …Get your free cryptocurrency now as part of this special offer. The only debit + credit card that matches your political donations. Click here to see now! F&M Trust Branch Location at 2405 Philadelphia Avenue Extended, Chambersburg, PA 17201 - Hours of Operation, Phone Number, Address, Directions and Reviews.A residuary trust, also known as a B-trust, is the second part of a two trust arrangement that is created for the benefit of the trustor’s spouse, states InvesterWords. This trust ...F & M Trust. Meeting the financial needs of our customers by providing appropriate financial solutions is the core of our service philosophy at F&M Trust. We ...717-264-6116. 6010. Chambersburg, PA 17201. F&M Trust is headquartered in CHAMBERSBURG and is the 31 st largest bank in the state of Pennsylvania. It is also the 625 th largest bank in the nation. It was established in 1906 and as of December of 2023, it had grown to 296 employees at 24 locations. F&M Trust's …The F&M Trust Business Mobile app allows access to your account 24/7 anytime, anywhere via a mobile device. The app enables instant access to: Accounts & Transactions - View real time balances and transaction history.; Check Images - View the front & back of any paid check directly from the transaction details.; Mobile Check Deposit - Make …1 review of F&M Trust "F&M Trust is our bank of choice. When we moved back to this area after being away for a few years, it was recommended we go with F&M Trust, and I'm very happy we did. The Norland Avenue branch is very close to us, and is where we do the majority of our banking. When we opened up our account, …The F&M Trust is located in Chambersburg with zip code of 17201. You will find the details for this branch with the hours of operation, phone numbers, address and driving directions. ... Chambersburg, PA 17201 F&M Trust Phone Numbers. F&M Trust Hours of Operation. Mon: 10:00 AM - 04:00 PM Tue: 10:00 AM - 04:00 PM Wed: 10:00 AM - 04:00 PM Thu ...F And M Trust Chambersburg, PA (Onsite) Full-Time. Job Details. favorite_border. F&M Trust is looking to hire a Financial Services Representative (FSR) III at our Orchard Park Office. As an FSR III, this individual will provide exceptional customer service by opening consumer, business, and other special accounts, and …Find opening & closing hours for F & M Trust in 1712 Lincoln Way E, Chambersburg, PA, 17202 and check other details as well, such ... View full map. Home ; Banks & ATMs Chambersburg, PA ; F & M Trust; Closes in 1 h 59 min. F & M Trust opening hours. Updated on January 23, 2024 +1 717-264-9414. Call: …F&M Trust’s ONLINE BANKING. Before subscribing to the F&M Trust Online Banking service (the "Service"), you must read and indicate your acceptance of the following terms: ... F&M Trust, 1500 Nitterhouse Drive, Chambersburg, PA 17201. Contact F&M Trust as soon as possible if you believe information or a transaction listed on your statement is ...Contact Us. To become better acquainted with F&M Bank and Trust Company, call us toll free at 877-221-6424 or stop in. We're here to help! 505 BroadwayF&M Trust together with Zelle®. Introducing Zelle® - a fast, safe and easy way to send money in minutes 1 to friends, family and others you trust, right from the F&M Trust mobile app. Zelle makes it easy to send money to, or receive money from, people you trust - no matter where they bank 2. Find Zelle in your F&M Trust mobile banking app.F&M Trust together with Zelle®. Introducing Zelle® - a fast, safe and easy way to send money in minutes 1 to friends, family and others you trust, right from the F&M Trust mobile app. Zelle makes it easy to send money to, or receive money from, people you trust - no matter where they bank 2. Find Zelle in your F&M Trust mobile banking app.Orbisonia Office. 18810 Sandy Ridge Station Orbisonia, PA 17243 Phone: (814) 447-3104 | Fax: (814) 447-3158 Drive-Up ATM View MapClick here to see now! F&M Trust Branch Location at 1712 Lincoln Way East, Chambersburg, PA 17201 - Hours of Operation, Phone Number, Address, Directions …Search our F & M Trust online commercial & personal banking directory in Chambersburg Bank Online, Bank Locations, Commercial & Personal Banking, Checking & Savings Account on HYIPMoney.com. ... 2075 Scotland Ave Chambersburg, PA 17201-1451 F & M Trust: Bank Online and Bank Locations Bank Online Specialty: Banks; Phone: …Address: 20 S Main St Chambersburg, PA, 17201-2202 United States See other locations Phone: ? Website: www.fmtrust.bankClick here to see now! F&M Trust Branch Location at 1712 Lincoln Way East, Chambersburg, PA 17201 - Hours of Operation, Phone Number, Address, Directions …To prepare for its future move, F&M Trust sold its 41,000-square-foot corporate headquarters at 20 South Main St., for $3.3 million to CFDC and entered into a lease agreement for the 20 South Main ...In today’s fast-paced digital age, staying updated with the latest news has become more important than ever. With so much information available online, it can be difficult to deter... Chambers Pointe Office. 1425 Philadelphia Avenue Chambersburg, PA 17201 Phone: (717) 261-3660 | Fax: (717) 264-8874 Walk-Up ATM View Map A typical trust fund is a legal structure that holds assets in an account until the beneficiary of the trust is eligible to receive them. There are two main types of SNTs: first-pa...Must develop thorough knowledge of F&M Trust's Lending Policy. Must demonstrate fundamental software skills using Word, Excel and on-line calendaring. Must demonstrate proficiency in operating office equipment including personal computer, calculator and fax machine. F&M Trust is an Equal Opportunity Employer - …Find company research, competitor information, contact details & financial data for F AND M TRUST PENN HALL OFFICE of Chambersburg, PA. Get the latest business insights from Dun & Bradstreet. F AND M TRUST PENN HALL OFFICE. ... 1425 Philadelphia Ave Chambersburg, PA, 17201-1386 United States Phone: ... 717-264-6116. 6010. Chambersburg, PA 17201. F&M Trust is headquartered in CHAMBERSBURG and is the 31 st largest bank in the state of Pennsylvania. It is also the 625 th largest bank in the nation. It was established in 1906 and as of December of 2023, it had grown to 296 employees at 24 locations. F&M Trust's money market rates are 5X the ... In the world of cryptocurrency, security and trust are paramount. With the increasing popularity of digital assets, it is crucial for crypto enthusiasts to have a reliable and secu...Job Details. F&M Trust is looking to hire a Financial Services Representative (FSR) at our Orchard Park Office. As an FSR, one will service current and new customers of the bank in our recently renovated office that now uses cash recyclers. This individual will provide exceptional customer service while performing a wide array of transactions ...Find all the information for F&M Trust on MerchantCircle. Call: 717-264-6116, get directions to 20 S Main St, Chambersburg, PA, 17201, company website, reviews, ratings, and more!Chambersburg, Pennsylvania, United States Assistant Community Office Manager F&M Trust Aug 2021 - Sep 2023 2 years ... Congrats to F&M Trust’s very own Matthew Berger, CTFA on receiving a very ...A trust account is an account where funds are held to achieve a specific purpose, such as paying for a specific bill or issuing money in installments to a person or a place. Trust ...About F&M Trust : A subsidiary of Franklin Financial Services Corp., F&M Trust is an independent community bank headquartered in Chambersburg. With approximately $1.8 billion in assets, F&M Trust has 22 community-banking locations in Franklin, Cumberland, Fulton, and Huntingdon counties in Pennsylvania, and in …When it comes to online shopping, one of the most important factors in making a purchase decision is trust. With so many options available, it can be difficult to determine which w...Leverage the support of one of the largest independent business banks in Pennsylvania. If you’re looking for a financial partner, we’re ready to help you grow something good. We’ve got the certifications, the tools, the … © 2024 F&M Trust | PO Box 6010, Chambersburg, PA 17201 | Phone: (717) 264-6116 | Toll free: (888) 264-6116 If you’re in the market for a new or used RV, you may be searching for “RV dealers near me” online. While it’s great to have options, it’s important to choose a trusted dealer that...5 days ago · Not all available terms and rates are listed for F&M Trust certificates of deposit and loans. Other rates and terms are available. For additional product or rate information, please contact the nearest F&M Trust community office at (717) 264-6116 or (888) 264-6116 . A beneficiary of a trust can also serve as the trustee or executor. However, the setup allows for a potential conflict of interest, as the trustee is responsible for acting in an e...A subsidiary of Franklin Financial Corp., F&M Trust is an independent community bank headquartered in Chambersburg. With approximately $1.2 billion in assets, F&M Trust has 22 community-banking locations in Franklin, Cumberland, Fulton and Huntingdon counties. F&M Trust announces new hires and …Must develop thorough knowledge of F&M Trust's Lending Policy. Must demonstrate fundamental software skills using Word, Excel and on-line calendaring. Must demonstrate proficiency in operating office equipment including personal computer, calculator and fax machine. F&M Trust is an Equal Opportunity Employer - … For over 100 years, F&M Trust in Chambersburg, PA has been providing individuals and families quality financial services and personal attention. Our services include: Online banking Personal solutions Business solutions Financial tools At F&M Trust, you'll find experienced and knowledgeable staff willing to understand your needs and offer ... F & M Trust in Chambersburg, reviews by real people. Yelp is a fun and easy way to find, recommend and talk about what’s great and not so great in Chambersburg and beyond.Such sites are not within our control and may not follow the same privacy, security or accessibility standards as ours. F&M Trust neither endorses nor guarantees offerings of the third-party providers, nor is F&M Trust responsible for the security, content or availability of third-party sites, their partners or advertisers. ×The experience and expertise of F&M Trust’s Wealth Management team adds up to security, success and peace of mind for our clients. We invite you to call on any of our wealth management professionals and schedule an appointment to discuss your financial goals. Fill out the following form to email us a question or comment. Contact details. Address. F and M Trust - Orchard Park Office. 841 Wayne Ave, Chambersburg. 17201 PA, USA. Call Us. (717) 263-1801. For full contact details (including navigation data) to this bank have a look at the the column to your right (or scroll if you're viewing this on a mobile device.) Boiling Springs Office. 3 East First Street Boiling Springs, PA 17007 Phone: (717) 241-4131 | Fax: (717) 241-4132 Walk-Up ATM View Map Welcome to F and M Trust - Memorial Square Office- Freedom Access Center (Banks) on 20 S Main St in Chambersburg, Pennsylvania. This bank is listed on Bank Map under Banks - All - Banks . You can reach us on phone number (717) 261-3662, fax number or email address .Check out all the services F&M Bank has to offer you! Expand each section below to learn more! Night Deposit Services. Customers can deposit their cash, ...The job listing for Loan Servicing Specialist in Chambersburg, PA posted on Mar 27 has expired. Close notice. F&M Trust. 3.7. Loan Servicing Specialist. Chambersburg, PA. ... F&M Trust is an Equal Opportunity Employer - M/F/Disability/Vet/SO. Show more. Average base salary estimate. $37,398 /yr (Glassdoor est.) The minimum salary range is. 1752 Lincoln Way E Ste 7, Chambersburg, PA 17202. Edward Jones - Financial Advisor: Cindy Wolf, AAMS™ 1331 S 7th St, Chambersburg, PA 17201. LPL Financial. 35 Ragged Edge Rd, Chambersburg, PA 17202. Twigg Financial, Inc. 80 Parkwood Dr, Chambersburg, PA 17201. Morgan Stanley Wealth Management. 446 Stouffer Ave, Chambersburg, PA 17201. Lpl ... With F&M Trust's Personal Finance tool, you can see all your accounts in one place. View balances and transactions. Add credit cards, savings accounts, retirement accounts, loans, and even that account at another bank. Don’t worry; we’re still friends. Add other assets like homes, vehicles, and your baseball card collection. Read 29 customer reviews of F&M Trust, one of the best Banks businesses at 20 S Main St, Chambersburg, PA 17201 United States. Find reviews, ratings, directions, business hours, and book appointments online. F & M TRUST | Bank/Credit Union | Financial Services | Mortgages.About F&M Trust: A subsidiary of Franklin Financial Services Corp., F&M Trust is an independent community bank headquartered in Chambersburg. With approximately $1.8 billion in assets, F&M Trust has 21 community-banking locations in Franklin, Cumberland, Fulton, and Huntingdon counties.F & M Trust at 1425 Philadelphia Ave in Chambersburg, PA. Read about, contact, get directions and find other Banks. F & M Trust. (717) 261-3660. 1425 Philadelphia Ave Chambersburg, PA 17201-1386. F & M Trust, Franklin. F&M Trust financial solutions. F & M Trust is located in Chambersburg city of …In the world of cryptocurrency, security and trust are paramount. With the increasing popularity of digital assets, it is crucial for crypto enthusiasts to have a reliable and secu...Get your free cryptocurrency now as part of this special offer. The only debit + credit card that matches your political donations. Click here to see now! F&M Trust Branch Location at 1625 Philadelphia Avenue, Chambersburg, PA 17201 - Hours of Operation, Phone Number, Address, Directions and Reviews.Find opening & closing hours for F & M Trust in 1712 Lincoln Way E, Chambersburg, PA, 17202 and check other details as well, such ... View full map. Home ; Banks & ATMs Chambersburg, PA ; F & M Trust; Closes in 1 h 59 min. F & M Trust opening hours. Updated on January 23, 2024 +1 717-264-9414. Call: …SWIFT Code. FMTOUSU2 or FMTOUSU2XXX. Bank Code. FMTO - code assigned to FARMERS AND MERCHANTS TRUST COMPANY OF CHAMBERSBURG. Country Code. US - code belongs to United States. Location Code. U2 - code represents the institution location. Code Status.About F&M Trust : A subsidiary of Franklin Financial Services Corp., F&M Trust is an independent community bank headquartered in Chambersburg. With approximately $1.8 billion in assets, F&M Trust has 22 community-banking locations in Franklin, Cumberland, Fulton, and Huntingdon counties in Pennsylvania, and in …F & M Trust jobs in Chambersburg, PA. Sort by: relevance - date. 45 jobs. Commercial Credit Analyst. F&M Trust. Chambersburg, PA 17201. Full-time. Easily apply: ... ABOUT THE ROLE F&M Trust is looking to hire an Assistant Community Office Manager (ACOM) for our Orbisonia Community Office. While reporting …8 F&M Trust Branch locations in Chambersburg, PA. Find a Location near you. View hours, phone numbers, reviews, routing numbers, and other info.The classification of trusts, whether it is simple or complex, is dependent on how to trust document specifies it to be. The designation of a trust, whether it is simple or complex... For over 100 years, F&M Trust in Chambersburg, PA has been providing individuals and families quality financial services and personal attention. Our services include: Online banking Personal solutions Business solutions Financial tools At F&M Trust, you'll find experienced and knowledgeable staff willing to understand your needs and offer ... At F&M Trust, we understand the complexities of personal banking. Fortunately, we have provided a variety of valuable and helpful personal financial banking resources for our Central and Southern PA customers. Access these …At F&M Trust, we understand the complexities of personal banking. Fortunately, we have provided a variety of valuable and helpful personal financial banking resources for our Central and Southern PA customers. Access these online personal banking resources today.Contact Us. To become better acquainted with F&M Bank and Trust Company, call us toll free at 877-221-6424 or stop in. We're here to help! 505 Broadway Orbisonia Office. 18810 Sandy Ridge Station Orbisonia, PA 17243 Phone: (814) 447-3104 | Fax: (814) 447-3158 Drive-Up ATM View Map Get free cryptocurrency (up to $100) value in our partnership with Coinbase. Get your free cryptocurrency now as part of this special offer. The only debit + credit card that matches your political donations. Click here to see now! F&M Trust Branch Location at 20 South Main Street, Chambersburg, PA 17201 - Hours of Operation, Phone Number ... Get your free cryptocurrency now as part of this special offer. The only debit + credit card that matches your political donations. Click here to see now! F&M Trust Branch Location at 2405 Philadelphia Avenue Extended, Chambersburg, PA 17201 - Hours of Operation, Phone Number, Address, Directions and Reviews.In today’s global economy, sourcing products from import companies has become a common practice for businesses of all sizes. One of the significant benefits of working with trusted...Chambersburg, PA 17201. Pay information not provided. Full-time. Easily apply: Follows corporate policy and upholds bank standards in accordance with the bank's Code of Business Ethics and Conduct. ... F&M Trust is an Equal Opportunity Employer - M/F/Disability/Vet/SO  Personal Banking Services. Online Banking. Access your accounts, anytime, anywhere, simply by visiting our website. Get information and manage the details of all your personal loan and deposit accounts, transfer funds, place stop payments, reorder checks and more — with just a few simple clicks. And, of course, it’s all free. © 2024 F&M Trust | PO Box 6010, Chambersburg, PA 17201 | Phone: (717) 264-6116 | Toll free: (888) 264-6116 Jul 29, 2021 · CADC is an affiliate of the Greater Chambersburg Chamber of Commerce and is linked to the creation of more than 2,800 jobs and over $3 million in local payroll and property tax revenues annually. About F&M Trust. A subsidiary of Franklin Financial Services Corporation, F&M Trust is an independent community bank headquartered in Chambersburg. If you're looking to invest in a financial career that offers unlimited professional growth opportunities, new challenges and a chance to help local communities, apply for one of …

For over 100 years, F&M Trust in Chambersburg, PA has been providing individuals and families quality financial services and personal attention. Our services include: Online banking Personal solutions Business solutions Financial tools At F&M Trust, you'll find experienced and knowledgeable staff willing to understand your needs and offer .... Turks and cacos map

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Chambersburg, PA -Hagerstown, MD Education - 1980 - 1982. Activities and Societies: Resident Assistant, Thon (48 hours) 1981 & 1982 ... All F&M Trust offices will be closed on Saturday, November ... F&M Trust's Mortgage Team has decades of experience. Always ready to help you whether you are a first-time home buyer, building or refinancing your home ... Contact Us. To become better acquainted with F&M Bank and Trust Company, call us toll free at 877-221-6424 or stop in. We're here to help! 505 Broadway Senior Vice President – Chief Commercial Services Officer. Corporate Office — Headquarters. 1500 Nitterhouse Drive. Chambersburg, PA 17201. Office: (717) 261-3518. Email Steve Butz. Phil Pantano. Senior Vice President – Commercial Services Market Manager, Franklin, Fulton & Huntingdon Counties. Corporate Office — Headquarters. 1752 Lincoln Way E Ste 7, Chambersburg, PA 17202. Edward Jones - Financial Advisor: Cindy Wolf, AAMS™ 1331 S 7th St, Chambersburg, PA 17201. LPL Financial. 35 Ragged Edge Rd, Chambersburg, PA 17202. Twigg Financial, Inc. 80 Parkwood Dr, Chambersburg, PA 17201. Morgan Stanley Wealth Management. 446 Stouffer Ave, Chambersburg, PA 17201. Lpl ... F&M Trust. 2,486 likes · 3 talking about this. Banking Done Your Way® © 2024 F&M Trust | PO Box 6010, Chambersburg, PA 17201 | Phone: (717) 264-6116 | Toll free: (888) 264-6116Contact details. Address. F and M Trust - Orchard Park Office. 841 Wayne Ave, Chambersburg. 17201 PA, USA. Call Us. (717) 263-1801. For full contact details (including navigation data) to this bank have a look at the the column to your right (or scroll if you're viewing this on a mobile device.)F&M Trust offers online banking, bill pay, mobile banking, e-statements and more for personal loan and deposit accounts. Find out how to sign up, access your accounts and …About F&M Trust: A subsidiary of Franklin Financial Services Corporation, F&M Trust is an independent community bank headquartered in Chambersburg. With approximately $1.2 billion in assets, F&M Trust has 22 community offices in Franklin, Cumberland, Fulton and Huntingdon counties. F&M Trust Supports SpiriTrust Lutheran.September 21, 2018. (CHAMBERSBURG, PA) – F&M Trust is pleased to announce the addition of Brian Carroll for the role of talent acquisition officer. Carroll is responsible for the implementing the bank’s talent recruitment, selection, and onboarding programs. His experience includes more than twelve years in the …Pay bills. Transfer funds. Set up Text Alerts. Get Mobile Banking. Send money - Zelle. (Opens in a new Window) enroll in online banking. Download: Online Banking Instructions. Download: Internet Banking Agreement and Disclosure.About F&M Trust A subsidiary of Franklin Financial Services Corporation, F&M Trust is an independent community bank headquartered in Chambersburg. With approximately $1.3 billion in assets, F&M Trust has 22 community offices in Franklin, Cumberland, Fulton and Huntingdon counties. Please visit fmtrust.bank for more … F&M Trust is seeking a Deposit Operations Workflow Administrator more commonly known as a Banking Operations Analyst. The new team member will be in the Deposit Operations area at the bank's Corporate Headquarters in Chambersburg, PA. The individual will work closely with the Deposit Operations team and some other internal stakeholders. Chambersburg, PA 17201 Open until 4:00 PM. Hours. Mon 8:30 AM ... F&m Trust. 1. We stopped here on two different days while in town. Creating a trust is one thing. Administering a trust — actually carrying out the trustor’s instructions in a manner that fulfills your fiduciary duty as trustee and complies with a...F&M Trust Branch Location at 2075 Scotland Avenue, Chambersburg, PA 17201 - Hours of Operation, Phone Number, Address, Directions and Reviews.Chambersburg, PA 17201 Office: (717) 261-3575 Email. Matthew Berger, CTFA Vice President, Regional Wealth Manager. Corporate Office — Headquarters ... For more than a century, F&M Trust has embraced and defined what it means to be a community bank in South Central PA. Read More.Chambersburg, PA 17201 Vice President/Trust Relationship Manager Farmers and Merchants Trust Company ... Vice President, Business Banking Manager at F&M Trust Chambersburg, PA. Connect Terri ....

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