Call us! (309) 343-7141

Trust Services


Personal financial needs call for personalized solutions. Many financial goals extend beyond the capabilities of ordinary investment or savings accounts. In those cases, a trust can be the solution that meet your needs.

What is a Trust?

A trust is a customized legal agreement that instructs a trustee to hold, manage and invest the assets you place in your trust account. You can create a trust either during your lifetime (a "living" trust) or create one under your Last Will (a "testamentary" trust). You can retain control over your trust (using a "revocable" trust) or you can turn control over to a professional trustee (using an "irrevocable" trust). Each type of trust has its own set of advantages and limitations that we will explain when deciding if a trust is right for you.

What Can A Trust Do For Me?

The key purpose of any type of trust is PROTECTION. A trust is an excellent means of protecting:

  • Your assets and property by having a professional trustee take responsibility for investing and managing your assets.
  • You and your family if you become disabled and cannot manage your affairs.
  • Your spouse, children or grandchildren if they are unable to handle financial matters.
  • Your estate from paying some (if not all) of your estate taxes upon your death.
  • Your ability to leave property to whomever you choose and to determine when they will receive it.
  • Your privacy since a trust is a private arrangement between you and your trustee.

Of course a trust isn't always the right choice for everyone, but if protecting your assets and providing for loved ones is important to you, then it's time to find out if our trust services are right for you.

Who Should Be My Trustee?

Selecting the right trustee of your trust is one of the most important decisions you can make. A well-drafted trust document is useless if the trustee fails to handle all matters properly. A trustee has numerous complex, time-consuming duties that can go on for many years. You need a trustee who has the proven ability to handle those duties and who will be there in the long run.

When you name The F&M Bank as your trustee, you and your family can count on receiving personalized service from our experienced staff of trust and investment professionals now and in the future.

What Other Services Are Available?

For individuals who want to take a more active role in investing their assets, we offer our Investment Custody service. We will open an account to hold your investment assets (stocks, bonds, mutual funds, CDs, etc.), keep track of the income and interest earned, pay your bills as you direct and send you a tax report at the end of the year. All you do is tell us what you want to invest in and we'll take care of the rest.

If you'd prefer to spend your time on other things, we can also handle the investing for you. With our Investment Management service, you can utilize our extensive investment knowledge and experience by naming us as your investment manager. We'll review your goals and tolerance for investment risk and come up with an investment plan that's right for you. In addition, we'll handle all the paperwork for you and also pay your bills as you direct.

How Do I Find Out What's Right For Me?

Trusts and investments are just part of an integrated personal financial and estate plan. Because there are many factors to consider in creating your financial plan, the best place to start is with a personal appointment to discuss your situation and your goals. Ask your personal banker to arrange your appointment today.

Stephen M. Browning  Vice President, Senior Trust Officer 

309.343.0002 ext. 20605 

Lori A. Hedden

Trust Officer

309.343.0002 ext. 20610

Jean L. Huff 

Trust Assistant 

309.343.0002 ext. 20616

The staff of the F&M Bank Trust Department is dedicated to building long-term relationships with our clients through unparalleled personal service and a commitment to helping you meet your needs.