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Farmers Bank and Trust has provided financial services to the community members, businesses, and farmers throughout Mississippi County and the surrounding region since 1908.
Farmers Bank was established in 1908 with a small amount of capital stock but lots of vision.
During WWII, the Bank of Wilson purchased a set of 1908-era teller cages and Italian marble countertops from the Old Liberty Savings Bank and Loan in Memphis, Tennessee.
Upon subscribing the necessary capital, a group of prominent businessmen and farmers in the Morgan County Community officially opened the bank for business on January 4, 1911.
McConnell joined Farmers Bank on December 1, 1913 as a vice president.
In recognition of the need for a solid financial institution to serve local customers and businesses, founders organized Farmers and Mechanics Bank in West Point, Virginia on January 28, 1927.
Fowler retired as president, but he continued as chairman of the board of directors until his death on December 30, 1928.
On October 11, 1930, the shareholders of Farmers Bank and Trust Company approved a consolidation and merger with Marion Bank, with the new bank to retain the name of Farmers Bank and Trust Company.
Guggenheim began serving the bank as a director prior to April 4, 1934.
R. G. Fowler, the son of the bank's first president William T. Fowler, accepted the role of president of the bank on September 1, 1937, shortly after Mr.
On October 1, 1938, the Carrsville Agency was discontinued and all of it cash, notes, records, etc. were transferred to Farmers Bank and Trust Company's Main Office in Marion.
During a regular meeting of the board of directors on November 5, 1941, a representative of the Burroughs Adding Machine Company presented their new posting machines and systems of bookkeeping.
Fowler served as president until his death on September 20, 1942.
The Bank had steady growth from the beginning and reached the first million in deposits in 1943.
Originally The Bank of Wilson, the bank building located at 55 Park Avenue was built in 1952 by architect George Mahan.
On March 12, 1953, the board of directors authorized the bank to close on Wednesday afternoons, during the summer months.
On April 27, 1956, the board of directors approved the purchase of Carrier air conditioning equipment for the bank at a cost of $1,799.00.
Quertermous held the presidency until his death on February 12, 1958.
Franklin held the presidency until his death on December 2, 1958.
Homer Glenn McConnell, the son of the bank's second president W. T. McConnell, accepted the presidency of the bank on January 13, 1959.
On March 12, 1959, the board of directors authorized the re-opening of the trust department.
By 1916, the bank moved a little ways down Main Street, into the building now occupied by the Ritz Civic Center. It’s on this very spot that our current Main Branch location, built in 1969, stands today.
In 1972, the bank initiated an expansion and renovation project of the bank building, which doubled its size.
On November 30, 1975, the bank began converting its transaction processing and posting to Computer Services, Inc. in Paducah, Kentucky.
In 1976, the Bank opened a Full-Service Branch on West Morton Road in Jacksonville.
In February of 1978, with assets totaling $37 million, the Bank established its first branch on 14th Street in West Point and began offering drive-through service to customers.
On August 30, 1985, a one-bank holding company was formed known as Farmers Bancshares, Inc.
In May, 1987, the Farmers Bank acquired, through purchase, the Tuppers Plains Branch of BankOne.
On September 1, 1987, the shareholders of Farmers Bank and Trust Company approved the formation of Farmers Bancorp, Inc., a holding company with Farmers Bank and Trust Company as its wholly owned subsidiary.
In 1989, the bank initiated an expansion and renovation project of the bank building, which doubled its size again and included the bank's first automated teller machine.
Shareholders also approved a major reorganization by creating a one-bank holding company, C&F Financial Corporation, officially formed on March 8, 1994.
In 1995, the Farmers Bank purchased a lot on Upper River Road, Gallipolis, built an office and began serving Gallia County.
Soon after the successful launch of its mortgage business, in 1997 the Bank sold its part-ownership of Virginia Title Center in Roanoke and instead began offering title insurance services through its own C&F Title Insurance Agency, Inc., located within the headquarters of C&F Mortgage Corporation.
On June 25, 1998, Farmers Bank and Trust Company launched the MasterMoney debit card, which serves as an automated teller machine or cash card and as a check or debit card.
On July 22, 1998, the bank ended a tradition that had started over 45 years earlier: the drive-thru branch opened for its first Wednesday afternoon.
On Tuesday, April 16, 2002, Farmers Bank and Trust Company celebrated yet another major milestone, as the total assets of the bank reached the $100 million mark for the first time.
On March 25, 2003, the Mason, West Virginia, branch was opened which was the first branch of the West Virginia Division.
Joy’s daughters, Kristan Becker Hoffman and Elizabeth French Becker serve as Executive Vice Presidents and were elected to the Board of Directors in 2003.
On May 11, 2006, the Point Pleasant Branch was opened for business which, to date, completes the West Virginia Division of Farmers Bank.
In October of 2011, Farmers Bank started building its newest addition at 640 East Main Street in Pomeroy.
On July 16th, 2012, the two-story building opened for business.
Thomas F. Cherry became the bank’s fourth President in January of 2015, and today also serves as Chief Executive Officer of C&F Financial Corporation and C&F Bank.
In 2017, Farmers Bank opened a new branch in Wilson in a building with an interesting history.
Institution ID #478756©2017 First Farmers Bank & Trust Company.
During 2019, the bank expanded its borders yet again with the acquisition of First State Bank, which serves three counties, McLean, Muhlenberg, and Warren.
In April 2020, C&F Bank converted all systems and signage for the recently acquired Peoples Community Bank in the Northern Neck of Virginia.
Additionally, in the summer of 2020, C&F Bank opened two new Financial Center's, one in Downtown Richmond and one in Charlottesville.
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