A new trust company is born

During the early years of the 1900's, many banking institutions were formed and banks rapidly sprang up in towns and communities across the nation. Through the years, banks have been challenged from the depths of the Great Depression in the late 1920's and early 1930's through the current ongoing consolidation of financial institutions, both large and small. F&M Trust has met these challenges throughout history. And this is our story:

On the evening of December 7, 1905, a group of businessmen, lawyers, farmers, doctors, and merchants met to discuss the organization of a trust company. Although a number of them were board members of another local bank (the National Bank of Chambersburg), they wanted to form a corporation that would better serve the community. At that time, national banks did not have fiduciary powers and they wanted to offer services like personal guardianships, trusteeships, and title guarantees.

The group was united in their mission: the formation of a corporation for general banking services to support the Chambersburg business community and "for the insurance of owners of real estate, mortgages and others interested in real estate, from loss by reason of defective titles, liens, and encumberances." An attorney by the name of Walter K. Sharpe suggested that the bank be named "Farmers and Merchants Trust Company" which narrowly won approval over "People's Trust Company."

On January 10, 1906, the bank was granted a bank charter by the Commonwealth of Pennsylvania under the name "The Farmers and Merchants Trust Company of Chambersburg, PA". Walter K. Sharpe was elected as the bank's first president.

Our Vision:

A century of community banking tradition inspires us to be the most widely recognized, locally managed provider of financial services in our market . . .

Franklin Financial's independence enables us to demonstrate a true concern for the customer. A focus on developing complete customer relationships will permeate our culture.

We will grow in existing markets and develop new markets by progressively integrating new with traditional products and services. Our employees will be critical to our long-term success. They will exhibit a total commitment to exceptional standards of performance and productivity, to working together effectively, and to a willingness to embrace new ideas and learn continuously.

Flexibility, responsiveness and dependability will enable Franklin Financial to prosper amidst an intensely competitive environment that includes traditional and non-traditional financial services companies. Through community involvement, quality growth, and superior financial performance, we will create long-term value for our shareholders."

Our Mission Statement

Creating long-term shareholder value by delivering the right financial solutions . . . from people you know.

Employee Welfare Benefits

• Medical Insurance


• Vision Insurance


• Long Term Disability


• Dental Insurance


• Short Term Disability


• Flexible Benefits Plan


• Long Term Disability


• Life Insurance

• Wellness Programs


• Gym Subsidy


• Employee Assistance Program


• Education Assistance


• Referral Programs


• Computer Purchase Program


• Employee Stock Purchase Plan


• 401 (K) with corporate match up to 6%

09/11/2009
Gordon is new Community Office Manager at F&M Trust

09/11/2009
Estep Featured in Bank Travel Magazine

09/04/2009
F&M Trust named one of the 100 Best Places to Work in PA 2009

08/21/2009
F&M Trust lends support to Homeless Shelter

06/18/2009
F&M Trust named a Top Performer

06/04/2009
F&M Trust Promotes Ramsey

20 South Main Street
Chambersburg
Phone: (717) 264-6116
Toll free: 1-888-264-6116