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        <OtherCostOrOtherBasisAmt>6155179</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>1712371</DepreciationAmt>
        <BookValueAmt>4442808</BookValueAmt>
      </BuildingsGrp>
      <LeaseholdImprovementsGrp>
        <OtherCostOrOtherBasisAmt>54488</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>42974</DepreciationAmt>
        <BookValueAmt>11514</BookValueAmt>
      </LeaseholdImprovementsGrp>
      <TotalBookValueLandBuildingsAmt>6792211</TotalBookValueLandBuildingsAmt>
      <OtherLiabilitiesOrgGrp>
        <Desc>DEFERRED REVENUE</Desc>
        <Amt>200</Amt>
      </OtherLiabilitiesOrgGrp>
      <TotalLiabilityAmt>200</TotalLiabilityAmt>
    </IRS990ScheduleD>
    <IRS990ScheduleL documentId="RetDoc4">
      <BusTrInvolveInterestedPrsnGrp>
        <NameOfInterested>
          <BusinessName>
            <BusinessNameLine1Txt>F&amp;M BANK</BusinessNameLine1Txt>
          </BusinessName>
        </NameOfInterested>
        <RelationshipDescriptionTxt>MEMBER</RelationshipDescriptionTxt>
        <TransactionAmt>379299</TransactionAmt>
        <TransactionDesc>LOAN PAYMENTS</TransactionDesc>
        <SharingOfRevenuesInd>false</SharingOfRevenuesInd>
      </BusTrInvolveInterestedPrsnGrp>
    </IRS990ScheduleL>
    <IRS990ScheduleO documentId="RetDoc5">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 7A</FormAndLineReferenceDesc>
        <ExplanationTxt>ONE-THIRD OF THE BOARD OF DIRECTORS TERMS ARE UP FOR ELECTION EVERY YEAR. PRIOR TO THE ANNUAL MEMBERSHIP MEETING EACH YEAR, A NOMINATING COMMITTEE IS APPOINTED BY THE BOARD OF DIRECTORS TO MAKE RECOMMENDATIONS TO FILL THE DIRECTOR POSITIONS THAT ARE UP FOR ELECTION EACH YEAR. AT THE ANNUAL MEMBERSHIP MEETING A REPRESENTATIVE OF THE NOMINATING COMMITTEE MAKES THEIR COMMITTEES RECOMMENDATIONS TO THE MEMBERSHIP THAT IS PRESENT AT THE MEETING. THE MEMBERS PRESENT AT THE ANNUAL MEETING THEN VOTE AND ELECT THE NEW BOARD MEMBERS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>THE BOARD OF DIRECTORS REVIEWED THE TAX RETURN AT THEIR AUGUST BOARD MEETING PRIOR TO FILING THE RETURN.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 12C</FormAndLineReferenceDesc>
        <ExplanationTxt>BOARD MEMBERS ARE TO GIVE NOTICE OF CONFLICT OF INTEREST AND THERE AFTER REFRAIN FROM DISCUSSING OR VOTING ON ANY TRANSACTION WHERE HE/SHE HAS A CONFLICT OF INTEREST.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST TO THE BOARD MEMBERS.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>