FFMH / First Farmers and Merchants Corporation - SEC Filings, Annual Report, Proxy Statement

First Farmers and Merchants Corporation
US ˙ OTCPK

Basic Stats
CIK 703329
SEC Filings
All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis. These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to First Farmers and Merchants Corporation
SEC Filings (Chronological Order)
This page provides a complete, chronological list of SEC Filings, excluding ownership filings which we provide elsewhere.
April 22, 2016 15-12G

First Farmers & Merchants 2G

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 15 CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS UNDER SECTIONS 13 AND 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. Commission File Number: 000-10972 FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of registrant

April 22, 2016 SC 13E3/A

FFMH / First Farmers & Merchants Corp. / First Farmers & Merchants Corp

amendment4-finalffmcschedule.htm - Prepared by EDGARX.com SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13E-3 (Rule 13e-100) Transaction Statement Under Section 13(e) of the Securities Exchange Act of 1934 and Rule 13e-3 Thereunder Rule 13e-3 Transaction Statement Under Section 13(e) of the Securities Exchange Act of 1934 (Amendment No. 4) FIRST FARMERS AND MERCHANTS CORPORATI

April 20, 2016 8-K

Current Report

Form8-k- Prepared by EDGARX.com UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ???????????????? FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 20, 2016 (April 19, 2016) FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of Registrant as specified in its charter) Tenness

April 19, 2016 8-K

Current Report

k1q2016earningsreleasev2.htm - Prepared by EDGARX.com UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ???????????????? FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 19, 2016 FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of Registrant as specified in its charter) Te

April 19, 2016 EX-99

FIRST FARMERS AND MERCHANTS CORPORATION REPORTS FIRST QUARTER NET INCOME OF $2.6 MILLION, OR $0.55 PER COMMON SHARE

For additional information contact Robert E. Krimmel Chief Financial Officer (931) 380-8257 FIRST FARMERS AND MERCHANTS CORPORATION REPORTS FIRST QUARTER NET INCOME OF $2.6 MILLION, OR $0.55 PER COMMON SHARE COLUMBIA, Tenn. (April 19, 2016) – First Farmers and Merchants Corporation (“First Farmers” or the “Company”), the holding company for First Farmers and Merchants Bank (the “Bank”), today anno

March 30, 2016 ARS

First Farmers & Merchants

March 30, 2016 DEF 14A

First Farmers & Merchants 14A

DEF 14A 1 ff-proxy.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A (Rule 14a-101) SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. 2) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: Preliminary Proxy Statement. ☐ Preliminary Proxy Statemen

March 30, 2016 SC 13E3/A

FFMH / First Farmers & Merchants Corp. / First Farmers & Merchants Corp

amendment3-ffmcschedule13e3v.htm - Prepared by EDGARX.com SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13E-3 (Rule 13e-100) Transaction Statement Under Section 13(e) of the Securities Exchange Act of 1934 and Rule 13e-3 Thereunder Rule 13e-3 Transaction Statement Under Section 13(e) of the Securities Exchange Act of 1934 (Amendment No. 3) FIRST FARMERS AND MERCHANTS CORPORATI

March 28, 2016 EX-99

Valuation Discussion for the Board of Directors of First Farmers and Merchants Corporation Columbia, Tennessee November 17, 2015

EX-99 3 e99iii.htm Valuation Discussion for the Board of Directors of First Farmers and Merchants Corporation Columbia, Tennessee November 17, 2015 Executive Summary Sheshunoff & Co. Investment Banking was engaged by First Farmers and Merchants Corporation (the “Company”) to determine the fair value of the Company’s common stock as of September 30, 2015 for the purpose of assisting the Board of Di

March 28, 2016 CORRESP

First Farmers & Merchants ESP

CORRESP 1 filename1.htm First Farmers and Merchants Corporation March 28, 2016 Via EDGAR David L. Orlic Special Counsel Office of Mergers and Acquisitions United States Securities and Exchange Commission 100 F Street, N.E. Washington, DC 20549 Re: First Farmers and Merchants Corporation (the “Company”) Amendment No. 1 to Preliminary Proxy Statement on Schedule 14A Filed March 25, 2016 File No. 000

March 28, 2016 EX-99

Valuation Discussion for the Board of Directors of First Farmers and Merchants Corporation Columbia, Tennessee February 16, 2016

EX-99 2 e99ii.htm Valuation Discussion for the Board of Directors of First Farmers and Merchants Corporation Columbia, Tennessee February 16, 2016 Executive Summary Sheshunoff & Co. Investment Banking was engaged by First Farmers and Merchants Corporation (the “FFMH”) to determine the fair value of the FFMH’s common stock as of December 31, 2015 for the purpose of assisting the Board of Directors

March 28, 2016 PRER14A

First Farmers & Merchants 14A

Prepared by EDGARX.com UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A (Rule 14a-101) SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. 2) Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: Preliminary Proxy Statement. ? Preliminary Proxy Statemen

March 28, 2016 SC 13E3/A

FFMH / First Farmers & Merchants Corp. / First Farmers & Merchants Corp

Prepared by EDGARX.com UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13E-3 (Rule 13e-100) Transaction Statement Under Section 13(e) of the Securities Exchange Act of 1934 and Rule 13e-3 Thereunder Rule 13e-3 Transaction Statement Under Section 13(e) of the Securities Exchange Act of 1934 (Amendment No. 2) FIRST FARMERS AND MERCHANTS CORPORATION (NAME OF THE ISSUE

March 25, 2016 CORRESP

First Farmers & Merchants ESP

CORRESP 1 filename1.htm First Farmers and Merchants Corporation March 25, 2016 Via EDGAR David L. Orlic Special Counsel Office of Mergers and Acquisitions United States Securities and Exchange Commission 100 F Street, N.E. Washington, DC 20549 Re: First Farmers and Merchants Corporation (the “Company”) Preliminary Proxy Statement on Schedule 14A Filed March 1, 2016 File No. 000-10972 Rule 13e-3 Tr

March 25, 2016 SC 13E3/A

FFMH / First Farmers & Merchants Corp. / First Farmers & Merchants Corp

SC 13E3/A 1 sch13amend.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13E-3 (Rule 13e-100) Transaction Statement Under Section 13(e) of the Securities Exchange Act of 1934 and Rule 13e-3 Thereunder Rule 13e-3 Transaction Statement Under Section 13(e) of the Securities Exchange Act of 1934 (Amendment No. 1) FIRST FARMERS AND MERCHANTS CORPORATION (NAME OF THE I

March 25, 2016 EX-99

Valuation Discussion for the Board of Directors of First Farmers and Merchants Corporation Columbia, Tennessee February 16, 2016

EX-99 2 e99ii.htm Valuation Discussion for the Board of Directors of First Farmers and Merchants Corporation Columbia, Tennessee February 16, 2016 Executive Summary Sheshunoff & Co. Investment Banking was engaged by First Farmers and Merchants Corporation (the “FFMH”) to determine the fair value of the FFMH’s common stock as of December 31, 2015 for the purpose of assisting the Board of Directors

March 25, 2016 EX-99

Valuation Discussion for the Board of Directors of First Farmers and Merchants Corporation Columbia, Tennessee November 17, 2015

EX-99 3 e99iii.htm Valuation Discussion for the Board of Directors of First Farmers and Merchants Corporation Columbia, Tennessee November 17, 2015 Executive Summary Sheshunoff & Co. Investment Banking was engaged by First Farmers and Merchants Corporation (the “Company”) to determine the fair value of the Company’s common stock as of September 30, 2015 for the purpose of assisting the Board of Di

March 25, 2016 PRER14A

First Farmers & Merchants 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A (Rule 14a-101) SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

March 1, 2016 EX-99

EX-99

Exhibit 99 Exhibit 99.(c)(ii)

March 1, 2016 SC 13E3

FFMH / First Farmers & Merchants Corp. / First Farmers & Merchants Corp

SC 13E3 1 ff-sch13e.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13E-3 (Rule 13e-100) Transaction Statement Under Section 13(e) of the Securities Exchange Act of 1934 and Rule 13e-3 Thereunder Rule 13e-3 Transaction Statement Under Section 13(e) of the Securities Exchange Act of 1934 FIRST FARMERS AND MERCHANTS CORPORATION (NAME OF THE ISSUER) FIRST FARMERS

March 1, 2016 PRE 14A

First Farmers & Merchants 14A

Prepared by EDGARX.com UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A (Rule 14a-101) SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: Preliminary Proxy Statement. ? Preliminary Proxy Statement

March 1, 2016 10-K

First Farmers & Merchants (Annual Report)

Prepared by EDGARX.com UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark one) [X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2015 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Numbe

March 1, 2016 EX-13

MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS FORWARD-LOOKING STATEMENTS

COMPARATIVE PERFORMANCE Set forth below is a graph comparing the yearly change in the cumulative total shareholder return on the common stock of First Farmers and Merchants Corporation (FF&M in the graph) against the cumulative total return of the S&P 500 Index and the Dow Jones Select Regional Bank Index for the five-year period commencing December 31, 2010 and ending December 31, 2015.

March 1, 2016 CORRESP

First Farmers & Merchants ESP

March 1, 2016 Keith F. Higgins Securities and Exchange Commission Division of Corporate Finance 100 F Street, N.E. Washington D.C. 20549 Re: First Farmers and Merchants Corporation – Preliminary Proxy Statement and Schedule 13E-3 Dear Mr. Higgins: On behalf of First Farmers and Merchants Corporation, we have filed a preliminary proxy statement and will be filing a related Schedule 13E-3 in connect

January 27, 2016 EX-99

FIRST FARMERS AND MERCHANTS CORPORATION REPORTS 2015 NET INCOME OF $10.3 MILLION, OR $2.13 PER COMMON SHARE

Exhibit 99.1 For additional information contact Robert E. Krimmel Chief Financial Officer (931) 380-8257 FIRST FARMERS AND MERCHANTS CORPORATION REPORTS 2015 NET INCOME OF $10.3 MILLION, OR $2.13 PER COMMON SHARE COLUMBIA, Tenn. (January 27, 2016) – First Farmers and Merchants Corporation (“First Farmers” or the “Company”), the holding company for First Farmers and Merchants Bank (the “Bank”), tod

January 27, 2016 8-K

Current Report

Prepared by EDGARX.com UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ???????????????? FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 27, 2016 FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of Registrant as specified in its charter) Tennessee (State or Other Juris

December 18, 2015 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ———————————————— FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 18, 2015 FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of Registrant as specified in its charter) Tennessee (State or Other Jurisdiction of Incorporati

December 18, 2015 EX-99

FIRST FARMERS AND MERCHANTS BANK ANNOUNCES TWO KEY LEADERSHIP ROLES

Exhibit 99.1 For additional information contact Robert E Krimmel Chief Financial Officer (931) 380-8257 FIRST FARMERS AND MERCHANTS BANK ANNOUNCES TWO KEY LEADERSHIP ROLES COLUMBIA, TN (December 18, 2015) – Today, First Farmers and Merchants Bank (the bank), and First Farmers and Merchants Corporation (holding company) announced two key leadership positions. Brian K. Williams has been named Presid

November 20, 2015 EX-99

FIRST FARMERS AND MERCHANTS CORPORATION ANNOUNCES PROPOSED GOING-PRIVATE TRANSACTION

EX-99 2 ex99-1.htm Exhibit 99.1 For additional information contact Brian K. Williams Executive Vice President (931) 380-8324 FIRST FARMERS AND MERCHANTS CORPORATION ANNOUNCES PROPOSED GOING-PRIVATE TRANSACTION COLUMBIA, Tenn. (November 20, 2015) – First Farmers and Merchants Corporation ("First Farmers" or the "Company"), the holding company for First Farmers and Merchants Bank, announced the Comp

November 20, 2015 8-K

Current Report

First Farmers 8k UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 20, 2015 FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of Registrant as specified in its charter) Tennessee (State or Other Jurisdiction of Incorporati

November 6, 2015 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2015 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 000-10972 F

October 27, 2015 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ———————————————— FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 27, 2015 FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of Registrant as specified in its charter) Tennessee (State or Other Jurisdiction of Incorporatio

October 27, 2015 EX-99

FIRST FARMERS AND MERCHANTS CORPORATION REPORTS THIRD QUARTER NET INCOME OF $2.7 MILLION, OR $0.57 PER COMMON SHARE

Exhibit 99.1 EXHIBIT 99.1 For additional information contact Robert E. Krimmel Chief Financial Officer (931) 380-8257 FIRST FARMERS AND MERCHANTS CORPORATION REPORTS THIRD QUARTER NET INCOME OF $2.7 MILLION, OR $0.57 PER COMMON SHARE COLUMBIA, Tenn. (October 27, 2015) ? First Farmers and Merchants Corporation, (?First Farmers?), the holding company for First Farmers and Merchants Bank (?the Bank?)

August 7, 2015 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2015 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 000-10972 FIRST

July 23, 2015 8-K

Current Report

8-K 1 ffc8k.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ———————————————— FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 23, 2015 FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of Registrant as specified in its charter) Tennessee (State or Other Jurisdiction of

July 23, 2015 EX-99

FIRST FARMERS AND MERCHANTS CORPORATION REPORTS SECOND QUARTER NET INCOME OF $2.7 MILLION, OR $0.56 PER COMMON SHARE

First Farmers 99.1 EXHIBIT 99.1 For additional information contact Bobby Krimmel Chief Financial Officer (931) 380-8257 FIRST FARMERS AND MERCHANTS CORPORATION REPORTS SECOND QUARTER NET INCOME OF $2.7 MILLION, OR $0.56 PER COMMON SHARE COLUMBIA, Tenn. (July 23, 2015) ?First Farmers and Merchants Corporation, (?First Farmers?), the holding company for First Farmers and Merchants Bank (?the Bank?),

May 11, 2015 EX-10

SETTLEMENT AND GENERAL RELEASE AGREEMENT

SETTLEMENT AND GENERAL RELEASE AGREEMENT THIS SEVERANCE AGREEMENT AND GENERAL RELEASE ("the Agreement") is made and entered into by and between Patricia Bearden (hereinafter Employee") and First Farmers & Merchants Bank (hereinafter "the Company') with respect to the end of Employee's employment with the Company.

May 11, 2015 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2015. ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Numbers: 000-10972 First Farm

May 5, 2015 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

First Farmers Form 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

May 5, 2015 EX-99

FIRST FARMERS REPORTS FIRST QUARTER EARNINGS UP 16% TO $2.6 MILLION, OR $0.53 PER COMMON SHARE

Exhibit 99.1 For additional information contact Bobby Krimmel Chief Financial Officer (931) 380-8257 FIRST FARMERS REPORTS FIRST QUARTER EARNINGS UP 16% TO $2.6 MILLION, OR $0.53 PER COMMON SHARE COLUMBIA, Tenn. (May 5, 2015) – First Farmers and Merchants Corporation, (“First Farmers”), the holding company for First Farmers and Merchants Bank (“the Bank”), today announced unaudited financial resul

May 1, 2015 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

8-K 1 esff8k.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 1, 2015 (May 1, 2015) FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of registrant as specified in its charter) Tennessee 000-10972 62-1148660 (State or othe

May 1, 2015 EX-99

FIRST FARMERS NAMES NEW CFO AND TREASURER Veteran banker brings diverse background in accounting and finance to $1.2 billion community bank

EX-99 3 es99-1.htm For additional information contact Brian K. Williams Executive Vice President (931) 380-8324 FIRST FARMERS NAMES NEW CFO AND TREASURER Veteran banker brings diverse background in accounting and finance to $1.2 billion community bank COLUMBIA, Tenn. (May 1, 2015) - First Farmers and Merchants Corporation ("First Farmers"), holding company for First Farmers and Merchants Bank (“th

May 1, 2015 EX-10

CHANGE IN CONTROL AGREEMENT

EX-10 2 ex10-1.htm Exhibit “A” CHANGE IN CONTROL AGREEMENT If a “Change of Control” occurs within two (2) years of the date of this agreement and employee is terminated without just cause within two (2) years after the occurrence of a “Change of Control” (as defined below), Employee shall be entitled to compensation as follows: Bank shall be obligated to continue to pay to the Employee the Employe

April 23, 2015 8-K

Submission of Matters to a Vote of Security Holders

8-K 1 ff8k4-26.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 23, 2012 (April 21, 2015) FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of registrant as specified in its charter) Tennessee 000-10972 62-1148660 (State

March 5, 2015 DEF 14A

First Farmers & Merchants 14A

DEF 14A 1 ffcproxy2015.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A (Rule 14a-101) SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: Preliminary Proxy Statement ¨Confidential, for use of

March 5, 2015 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark one) [X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2014 or [ ] TRANSITION REPORT

10-K 1 ffc10k12-31.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark one) [X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2014 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file numbe

March 5, 2015 EX-21

List of Subsidiaries (Direct and Indirect Ownership) Name State of Incorporation First Farmers and Merchants Bank Tennessee F & M West, Inc. Tennessee Maury Tenn, Inc. Nevada Maury Tenn Properties, Inc. Maryland

EXHIBIT 21 List of Subsidiaries (Direct and Indirect Ownership) Name State of Incorporation First Farmers and Merchants Bank Tennessee F & M West, Inc. Tennessee Maury Tenn, Inc. Nevada Maury Tenn Properties, Inc. Maryland

March 5, 2015 EX-13

MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS FORWARD-LOOKING STATEMENTS

COMPARATIVE PERFORMANCE Set forth below is a graph comparing the yearly change in the cumulative total shareholder return on the common stock of First Farmers and Merchants Corporation (FF&M in the graph) against the cumulative total return of the S&P 500 Index and the Dow Jones Select Regional Bank Index for the five-year period commencing December 31, 2009 and ending December 31, 2014.

March 5, 2015 EX-3

THIRD AMENDED AND RESTATED FIRST FARMERS AND MERCHANTS CORPORATION ARTICLE I –OFFICES

THIRD AMENDED AND RESTATED BYLAWS OF FIRST FARMERS AND MERCHANTS CORPORATION ARTICLE I ?OFFICES The principal office of First Farmers and Merchants Corporation (the ?Corporation?) in the State of Tennessee shall be located in the City of Columbia, County of Maury.

February 24, 2015 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

8-K 1 esffc2-24.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 24, 2015 (February 22, 2015) FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of registrant as specified in its charter) Tennessee 000-10972 62-1148660

February 10, 2015 10-K/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K/A Amendment No. 2

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K/A Amendment No. 2 (Mark one) [X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2013 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 000

February 10, 2015 CORRESP

FFMH / First Farmers & Merchants Corp. CORRESP - -

CORRESP 1 filename1.htm First Farmers and Merchants Corporation February 10, 2015 Via EDGAR Gus Rodriguez Accounting Branch Chief United States Securities and Exchange Commission 100 F Street, N.E. Washington, DC 20549 Re: First Farmers and Merchants Corporation (the “Company”) Item 4.02 Form 8-K Filed January 16, 2015 File No. 000-10972 Dear Mr. Rodriguez: Set forth below are the Company’s respon

January 27, 2015 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

8-K 1 ffm8k.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 27, 2015 (January 26, 2015) FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of registrant as specified in its charter) Tennessee 000-10972 62-1148660 (Stat

January 23, 2015 CORRESP

FFMH / First Farmers & Merchants Corp. CORRESP - -

CORRESP 1 filename1.htm First Farmers and Merchants Corporation January 23, 2015 Via EDGAR Gus Rodriguez Accounting Branch Chief United States Securities and Exchange Commission 100 F Street, N.E. Washington, DC 20549 Re: First Farmers and Merchants Corporation (the “Company”) Item 4.02 Form 8-K Filed January 16, 2015 File No. 000-10972 Dear Mr. Rodriguez: This is to confirm receipt of your letter

January 16, 2015 8-K

Non-Reliance on Previously Issued Financial Statements or a Related Audit Report or Completed Interim Review

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington , D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 15, 2015 (January 12, 2015) FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of registrant as specified in its charter) Tennessee 000-10972 62-1148660 (State or other juri

November 7, 2014 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2014. [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Numbers: 000-10972 Fi

September 9, 2014 CORRESP

FFMH / First Farmers & Merchants Corp. CORRESP - -

CORRESP 1 filename1.htm First Farmers and Merchants Corporation September 9, 2014 Via EDGAR Gus Rodriguez Accounting Branch Chief United States Securities and Exchange Commission 100 F Street, N.E. Washington, DC 20549 Re: First Farmers and Merchants Corporation (the “Company”) Form 10-K for Fiscal Year Ended December 31, 2013 Filed March 5, 2014 File No. 000-10972 Dear Mr. Rodriguez: Set forth be

September 9, 2014 10-K/A

Risk Rating 1: Minimal Risk Risk Rating 2: Modest Risk Risk Rating 3: Average Risk Risk Rating 4: Acceptable Risk Risk Rating 5: Pass / Watch Risk Rating 7: Substandard

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K/A Amendment No. 1 (Mark one) [X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2013 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 000

August 11, 2014 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2014. or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Numbers: 000-10972 Firs

May 9, 2014 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

10-Q 1 firstfarmers10q.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2014. or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission

May 9, 2014 EX-10

EMPLOYMENT AGREEMENT

EMPLOYMENT AGREEMENT This EMPLOYMENT AGREEMENT (the "Agreement") is made and entered into as of November 18, 2003, by and between FIRST FARMERS & MERCHANTS NATIONAL BANK ("Bank") and BARRY B.

April 21, 2014 8-K

Submission of Matters to a Vote of Security Holders -

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 21, 2012 (April 15, 2014) FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of registrant as specified in its charter) Tennessee 000-10972 62-1148660 (State or other jurisdict

March 5, 2014 EX-21

List of Subsidiaries (Direct and Indirect Ownership) Name State of Incorporation First Farmers and Merchants Bank Tennessee F & M West, Inc. Tennessee Maury Tenn, Inc. Nevada Maury Tenn Properties, Inc. Maryland

EXHIBIT 21 List of Subsidiaries (Direct and Indirect Ownership) Name State of Incorporation First Farmers and Merchants Bank Tennessee F & M West, Inc. Tennessee Maury Tenn, Inc. Nevada Maury Tenn Properties, Inc. Maryland

March 5, 2014 EX-13

Risk Rating 1: Minimal Risk Risk Rating 2: Modest Risk Risk Rating 3: Average Risk Risk Rating 4: Acceptable Risk Risk Rating 5: Pass / Watch Risk Rating 7: Substandard

COMPARATIVE PERFORMANCE Set forth below is a graph comparing the yearly change in the cumulative total shareholder return on the common stock of First Farmers and Merchants Corporation (FF&M in the graph) against the cumulative total return of the S&P 500 Index and the Dow Jones Select Regional Bank Index for the five-year period commencing December 31, 2008 and ending December 31, 2013.

March 5, 2014 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark one) [X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2013 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 000-10972 First Farme

March 5, 2014 DEF 14A

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DEF 14A 1 esproxy.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A (Rule 14a-101) SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant T Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for use of th

February 27, 2014 EX-99

FIRST FARMERS AND MERCHANTS CORPORATION REPORTS SOLID FOURTH QUARTER AND 2013 GROWTH Bank experienced excellent 2013 despite persistent rate and economic headwinds

FOR IMMEDIATE RELEASE CONTACT: Frank Limpus 615-668-9938 FIRST FARMERS AND MERCHANTS CORPORATION REPORTS SOLID FOURTH QUARTER AND 2013 GROWTH Bank experienced excellent 2013 despite persistent rate and economic headwinds COLUMBIA, Tenn.

February 27, 2014 8-K

Results of Operations and Financial Condition, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 24, 2014 (February 23, 2014) FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of registrant as specified in its charter) Tennessee 0-10972 62-1148660 (State or other juris

November 8, 2013 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2013. or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Numbers: 000-10972

August 9, 2013 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2013. or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Numbers: 000-10972 Firs

May 9, 2013 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2013. or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Numbers: 000-10972 Fir

April 4, 2013 DEF 14A

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DEF 14A 1 esffarmersproxy.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A (Rule 14a-101) SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: Preliminary Proxy Statement ¨Confidential, for use

March 29, 2013 EX-21

List of Subsidiaries (Direct and Indirect Ownership) Name State of Incorporation First Farmers and Merchants Bank Tennessee F & M West, Inc. Tennessee Maury Tenn, Inc. Nevada Maury Tenn Properties, Inc. Maryland

EXHIBIT 21 List of Subsidiaries (Direct and Indirect Ownership) Name State of Incorporation First Farmers and Merchants Bank Tennessee F & M West, Inc. Tennessee Maury Tenn, Inc. Nevada Maury Tenn Properties, Inc. Maryland

March 29, 2013 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark one) [X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2012 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 000-10972 First Farme

March 29, 2013 EX-13

2012 REPORT TO SHAREHOLDERS FIRST FARMERS AND MERCHANTS CORPORATION AND SUBSIDIARIES Condensed statements, December 31, 2012 and December 31, 2011 (In thousands of Dollars) A S S E T S 2 0 1 2 2 0 1 1 % c h a n g e Cash and due from banks $70,396 $73

2012 REPORT TO SHAREHOLDERS FIRST FARMERS AND MERCHANTS CORPORATION AND SUBSIDIARIES Condensed statements, December 31, 2012 and December 31, 2011 (In thousands of Dollars) A S S E T S 2 0 1 2 2 0 1 1 % c h a n g e Cash and due from banks $70,396 $73,021 -3.

March 21, 2013 10-K/A

Risk Rating 1: Minimal Risk Risk Rating 2 Modest Risk Risk Rating 3 Average Risk Risk Rating 4 Acceptable Risk Risk Rating 5 Pass / Watch Risk Rating 7 Substandard

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K/A (Amendment No. 1) (Mark one) [X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2011 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 0

March 19, 2013 NT 10-K

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UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 12b-25 NOTIFICATION OF LATE FILING Commission File Number 000-10972 (Check one): xForm 10-K ¨Form 20-F ¨Form 11-K ¨Form 10-Q ¨Form 10-D ¨Form N-SAR ¨Form N-CSR For Period Ended: December 31, 2012 ¨Transition Report on Form 10-K ¨Transition Report on Form 20-F ¨Transition Report on Form 11-K ¨Transition Report on Form 10-Q

March 18, 2013 8-K

Non-Reliance on Previously Issued Financial Statements or a Related Audit Report or Completed Interim Review

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 18, 2013 (March 15, 2013) FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of registrant as specified in its charter) Tennessee 000-10972 62-1148660 (State or other jurisdict

November 9, 2012 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

10-Q 1 es10q-ff.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2012. or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission Fil

August 21, 2012 10-Q/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q/A (Amendment No. 1)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q/A (Amendment No. 1) (Mark one) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2012 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Numb

August 20, 2012 8-K

Results of Operations and Financial Condition, Financial Statements and Exhibits -

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 20, 2012 (August 16, 2012) FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of registrant as specified in its charter) Tennessee 0-10972 62-1148660 (State or other jurisdict

August 20, 2012 EX-99

FIRST FARMERS AND MERCHANTS CORPORATION ANNOUNCES SECOND QUARTER 2012 RESULTS

FOR IMMEDIATE RELEASE - 08/16/12 CONTACT: Frank Limpus 615-668-9938 FIRST FARMERS AND MERCHANTS CORPORATION ANNOUNCES SECOND QUARTER 2012 RESULTS COLUMBIA, Tenn.

August 9, 2012 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

10-Q 1 es10qjune2012.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2012 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File

June 8, 2012 EX-16

Securities and Exchange Commission

16 Securities and Exchange Commission Washington, DC 20549 Commissioners: We have read First Farmers and Merchants Corporation's statements included under Item 4.

June 8, 2012 8-K/A

Changes in Registrant's Certifying Accountant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K-A CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 8, 2012 FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of registrant as specified in its charter) Tennessee 0-10972 62-1148660 (State or other jurisdiction of incorporatio

May 17, 2012 8-K/A

Changes in Registrant's Certifying Accountant

8-K/A 1 es8ka.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K-A CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 15, 2012 FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of registrant as specified in its charter) Tennessee 0-10972 62-1148660 (State or other jurisdic

May 17, 2012 EX-16

March 15, 2012

March 15, 2012 Securities and Exchange Commission Washington, D.C. 20549 Commissioners: We have read First Farmers and Merchants Corporation's statements included under Item 4.01 of its Form 8-K filed on March 15, 2012 and we agree with such statements concerning our firm. KraftCPAs PLLC

May 9, 2012 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2012 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Numbers: 000-10972 Firs

April 23, 2012 8-K

Submission of Matters to a Vote of Security Holders

8-K 1 esresults8k.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 23, 2012 (April 17, 2011) FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of registrant as specified in its charter) Tennessee 000-10972 62-1148660 (St

March 20, 2012 DEF 14A

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UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A (Rule 14a-101) SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

March 13, 2012 EX-13

2011 REPORT TO SHAREHOLDERS

2011 REPORT TO SHAREHOLDERS FIRST FARMERS & MERCHANTS CORPORATION & SUBSIDIARIES Condensed Statements, December 31, 2011 and December 31, 2010 (In Thousands of Dollars) 2011 2010 % change ASSETS Cash and due from banks $73,021 $32,499 124.

March 13, 2012 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

10-K 1 esffarm10k.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark one) [X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2011 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number

March 13, 2012 EX-21

List of Subsidiaries (Direct and Indirect Ownership) Name State of Incorporation First Farmers and Merchants Bank Tennessee F & M West, Inc. Tennessee Maury Tenn, Inc. Nevada Maury Tenn Properties, Inc. Maryland

EXHIBIT 21 List of Subsidiaries (Direct and Indirect Ownership) Name State of Incorporation First Farmers and Merchants Bank Tennessee F & M West, Inc. Tennessee Maury Tenn, Inc. Nevada Maury Tenn Properties, Inc. Maryland

March 12, 2012 EX-16

KraftCPAs PLLC - Certified Public Accountants and Consultants 555 Great Circle Road - Nashville, TN 37228 - Phone 615-242-7351 - Fax 615-782-4271 - www.kraftcpas.com

December 27, 2011 Securities and Exchange Commission Washington, D.C. 20549 Commissioners: We have read First Farmers and Merchants Corporation's statements included under Item 4.01 of its Form 8-K filed on December 27, 2011 and we agree with such statements concerning our firm. KraftCPAs PLLC - Certified Public Accountants and Consultants 555 Great Circle Road - Nashville, TN 37228 - Phone 615-24

March 12, 2012 8-K

Changes in Registrant's Certifying Accountant -

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 8, 2012 FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of registrant as specified in its charter) Tennessee 0-10972 62-1148660 (State or other jurisdiction of incorporation

March 12, 2012 8-K

Results of Operations and Financial Condition, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 12, 2012 (March 8, 2012) FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of registrant as specified in its charter) Tennessee 0-10972 62-1148660 (State or other jurisdiction

March 12, 2012 EX-99

FIRST FARMERS AND MERCHANTS CORPORATION CONTINUES GROWTH IN 2011 Both fourth quarter and year end numbers are positive for market leader

FOR IMMEDIATE RELEASE CONTACT: Frank Limpus 615-668-9938 FIRST FARMERS AND MERCHANTS CORPORATION CONTINUES GROWTH IN 2011 Both fourth quarter and year end numbers are positive for market leader COLUMBIA, Tenn.

January 19, 2012 8-K

Results of Operations and Financial Condition, Financial Statements and Exhibits

8-K 1 es8-k1.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 19, 2012 (January 18, 2012) FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of registrant as specified in its charter) Tennessee 0-10972 62-1148660 (State

January 19, 2012 EX-99

FIRST FARMERS & MERCHANTS BANK CROSSES BILLION DOLLAR ASSETS MARK FOR BANK AND $3 BILLION IN ASSETS THRESHOLD FOR TRUST IN 2011 Bank also announces 120th consecutive semi-annual dividend to shareholders

FOR IMMEDIATE RELEASE CONTACT: Frank Limpus 615-668-9938 FIRST FARMERS & MERCHANTS BANK CROSSES BILLION DOLLAR ASSETS MARK FOR BANK AND $3 BILLION IN ASSETS THRESHOLD FOR TRUST IN 2011 Bank also announces 120th consecutive semi-annual dividend to shareholders COLUMBIA, Tenn.

December 29, 2011 EX-16

KraftCPAs PLLC - Certified Public Accountants and Consultants 555 Great Circle Road - Nashville, TN 37228 - Phone 615-242-7351 - Fax 615-782-4271 - www.kraftcpas.com

December 27, 2011 Securities and Exchange Commission Washington, D.C. 20549 Commissioners: We have read First Farmers and Merchants Corporation's statements included under Item 4.01 of its Form 8-K filed on December 27, 2011 and we agree with such statements concerning our firm. KraftCPAs PLLC - Certified Public Accountants and Consultants 555 Great Circle Road - Nashville, TN 37228 - Phone 615-24

December 29, 2011 8-K

_______________________________________________________________________________________________ UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 20, 2011 FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of registrant as specified in its charter) Tennessee 0-10972 62-1148660 (State or other jurisdiction of incorpora

November 8, 2011 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2011 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Numbers: 000-10972

October 25, 2011 EX-99

FIRST FARMERS & MERCHANTS CORPORATION ANNOUNCES THIRD QUARTER RESULTS

FIRST FARMERS & MERCHANTS CORPORATION ANNOUNCES THIRD QUARTER RESULTS COLUMBIA, Tenn.

October 25, 2011 8-K

Results of Operations and Financial Condition, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 25, 2011 (October 24, 2011) FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of registrant as specified in its charter) Tennessee 0-10972 62-1148660 (State or other jurisdi

August 9, 2011 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2011 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Numbers: 000-10972 First

May 6, 2011 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2011 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Numbers: 000-10972 Firs

April 22, 2011 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 21, 2011 (April 18, 2011) FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of registrant as specified in its charter) Tennessee 0-10972 62-1148660 (State or other jurisdictio

April 22, 2011 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 22, 2011 (April 19, 2011) FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of registrant as specified in its charter) Tennessee 000-10972 62-1148660 (State or other jurisdict

April 22, 2011 EX-99.1

FIRST FARMERS & MERCHANTS CORPORATION CONTINUES SOLID PERFORMANCE TREND IN 2010 Announces sustained strength and stability at Annual Shareholders Meeting

Exhibit 99.1 FOR IMMEDIATE RELEASE —04/19/11 CONTACT: Frank Limpus 615-668-9938 FIRST FARMERS & MERCHANTS CORPORATION CONTINUES SOLID PERFORMANCE TREND IN 2010 Announces sustained strength and stability at Annual Shareholders Meeting COLUMBIA, Tenn., April 19, 2010 — First Farmers & Merchants Corporation, the parent of Columbia, Tennessee-based First Farmers & Merchants Bank, reported today that 2

March 23, 2011 DEF 14A

UNITED STATES

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the Commission Only (a

March 23, 2011 DEFA14A

UNITED STATES

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. 1) Filed by the Registrant x Filed by a Party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the Commission Only (

March 15, 2011 EX-21

List of Subsidiaries (Direct and Indirect Ownership)

EXHIBIT 21 List of Subsidiaries (Direct and Indirect Ownership) Name State of Incorporation First Farmers and Merchants Bank Tennessee F & M West, Inc. Tennessee Maury Tenn, Inc. Nevada Maury Tenn Properties, Inc. Maryland

March 15, 2011 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark one) x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2010 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 000-10972 First Farmers a

March 15, 2011 EX-13

2010 ANNUAL REPORT

EXHIBIT 13 2010 ANNUAL REPORT 2010 REPORT TO SHAREHOLDERS Cash and due from banks $32,499 $33,463 -2.

March 15, 2011 EX-3.3

AMENDMENT TO THE SECOND AMENDED AND RESTATED BYLAWS FIRST FARMERS AND MERCHANTS CORPORATION

EXHIBIT 3.3 AMENDMENT TO THE SECOND AMENDED AND RESTATED BYLAWS OF FIRST FARMERS AND MERCHANTS CORPORATION The Second Amended and Restated Bylaws of First Farmers and Merchants Corporation (the “Bylaws”) are hereby amended as follows: (a) The provisions of Article II, Section 9 of the Bylaws are hereby deleted in their entirety and replaced with the following: 9. QUORUM AND ADJOURNMENTS At any mee

November 10, 2010 CORRESP

FIRST FARMERS AND MERCHANTS CORPORATION November 10, 2010

FIRST FARMERS AND MERCHANTS CORPORATION November 10, 2010 VIA EDGAR Mark Webb, Legal Branch Chief Securities and Exchange Commission Division of Corporation Finance 100 F Street, N.

November 8, 2010 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2010 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Numbe

August 6, 2010 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2010 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Numbers: 0

May 10, 2010 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2010 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Numbers:

May 6, 2010 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 6, 2010 (April 20, 2010) FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of registrant as specified in its charter) Tennessee 000-10972 62-1148660 (State or other jurisdiction

March 31, 2010 DEF 14A

Appendix A First Farmers and Merchants Bank Audit Committee Charter

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the Commission Only (a

March 16, 2010 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark one) x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2009 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 000-10972 First Farmers a

March 16, 2010 EX-21.1

List of Subsidiaries (Direct and Indirect Ownership)

EXHIBIT 21.1 List of Subsidiaries (Direct and Indirect Ownership) Name State of Incorporation First Farmers and Merchants Bank Tennessee F & M West, Inc. Tennessee Maury Tenn, Inc. Nevada Maury Tenn Properties, Inc. Maryland

March 16, 2010 EX-13

2009 ANNUAL REPORT

Exhibit 13 2009 ANNUAL REPORT 2009 REPORT TO SHAREHOLDERS 2009 ANNUAL REPORT Cash and due from banks $ 33,463 $ 31,536 6.

December 21, 2009 8-K

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 21, 2009 (December 15, 2009) FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of registrant as specified in its charter) Tennessee 000-10972 62-1148660 (State or other jur

December 21, 2009 EX-3.1

SECOND AMENDED AND RESTATED FIRST FARMERS AND MERCHANTS CORPORATION ARTICLE I - OFFICES

Exhibit 3.1 SECOND AMENDED AND RESTATED BYLAWS OF FIRST FARMERS AND MERCHANTS CORPORATION ARTICLE I - OFFICES The principal office of First Farmers and Merchants Corporation (the “Corporation”) in the State of Tennessee shall be located in the City of Columbia, County of Maury. The Corporation may have such other offices, either within or without the state of incorporation as the board of director

November 9, 2009 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2009 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Numbe

August 7, 2009 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2009 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Numbers: 000-10972 First Far

May 11, 2009 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2009 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Numbers:

March 31, 2009 DEF 14A

UNITED STATES

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the Commission Only (a

March 13, 2009 EX-10.18

FIRST FARMERS & MERCHANTS BANK LIFE INSURANCE ENDORSEMENT METHOD SPLIT DOLLAR PLAN AGREEMENT

Exhibit 10.18 FIRST FARMERS & MERCHANTS BANK LIFE INSURANCE ENDORSEMENT METHOD SPLIT DOLLAR PLAN AGREEMENT THIS PLAN, hereby made effective this 7th day of January, 2008 (the “Effective Date”), by and between First Farmers and Merchants Bank, state-chartered bank located in Columbia, Tennessee (the “Bank”), and the Participant (the “Participant”) selected to participate in this Plan, intending to

March 13, 2009 EX-13

EXCEPTIONAL PEOPLE. AN EXCEPTIONAL YEAR. FIRST FARMERS & MERCHANTS BANK Member FDIC 2008 ANNUAL REPORT

Exhibit 13 EXCEPTIONAL PEOPLE. AN EXCEPTIONAL YEAR. FIRST FARMERS & MERCHANTS BANK Member FDIC 2008 ANNUAL REPORT Chairman’s Message 1 2008 in Review 4 Officers 18 FF&MB Office Directory 19 President’s Message 20 2008 Financials 21 2008 REPORT to SHAREHOLDERS FIRST FARMERS AND MERCHANTS CORPORATION Condensed Statements, December 31, 2008 and December 31, 2007 (In thousands of Dollars) ASSETS 2008

March 13, 2009 EX-10.11

FIRST AMENDMENT TO THE FIRST FARMERS AND MERCHANTS BANK DIRECTOR DEFERRED COMPENSATION AGREEMENT DATED JULY 18, 2006 THOMAS RANDALL STEVENS

Exhibit 10.11 FIRST AMENDMENT TO THE FIRST FARMERS AND MERCHANTS BANK DIRECTOR DEFERRED COMPENSATION AGREEMENT DATED JULY 18, 2006 FOR THOMAS RANDALL STEVENS THIS FIRST AMENDMENT is adopted this 5th day of January, 2007, by First Farmers and Merchants Bank, a state-chartered commercial bank located in Columbia, Tennessee (the “Bank”). The Bank and Thomas Randall Stevens (the “Director”) executed t

March 13, 2009 EX-10.12

FIRST AMENDMENT TO THE FIRST FARMERS AND MERCHANTS BANK AMENDED AND RESTATED DIRECTOR DEFERRED COMPENSATION AGREEMENT

Exhibit 10.12 FIRST AMENDMENT TO THE FIRST FARMERS AND MERCHANTS BANK AMENDED AND RESTATED DIRECTOR DEFERRED COMPENSATION AGREEMENT This Amendment, made and entered into this 18 day of December, 2007, by and between First Farmers and Merchants Bank, a bank organized and existing under the laws of the State of Tennessee, (hereinafter referred to as the “Bank”), and John P. Tomlinson, III, a Directo

March 13, 2009 EX-10.17

AMENDMENT TO THE FIRST FARMERS AND MERCHANTS NATIONAL BANK GROUP TERM CARVE-OUT PLAN DATED JULY 23, 2002

Exhibit 10.17 AMENDMENT TO THE FIRST FARMERS AND MERCHANTS NATIONAL BANK GROUP TERM CARVE-OUT PLAN DATED JULY 23, 2002 THIS AMENDMENT, made and entered into this day of , 2008, by First Farmers and Merchants Bank, successor in interest to First Farmers and Merchants National Bank, a bank organized and existing under the laws of the State of Tennessee (hereinafter referred to as the “Bank”), shall

March 13, 2009 EX-10.10

FIRST FARMERS AND MERCHANTS BANK AMENDED AND RESTATED DIRECTOR DEFERRED COMPENSATION AGREEMENT

Exhibit 10.10 FIRST FARMERS AND MERCHANTS BANK AMENDED AND RESTATED DIRECTOR DEFERRED COMPENSATION AGREEMENT THIS AMENDED & RESTATED Director Deferred Compensation Agreement (the “Agreement”) is adopted this day of , by and between First Farmers and Merchants Bank, a state-charted commercial bank located in Columbia, Tennessee (the “Bank”), and (the “Director”) and is effective as of the day of .

March 13, 2009 EX-10.22

FIRST FARMERS AND MERCHANTS CORPORATION DIRECTOR DEFERRED COMPENSATION AGREEMENT

Exhibit 10.22 FIRST FARMERS AND MERCHANTS CORPORATION DIRECTOR DEFERRED COMPENSATION AGREEMENT This Director Deferred Compensation Agreement (the “Agreement”) is adopted this 5th day of March, 2008, by and between First Fanners and Merchants Corporation, a Tennessee corporation located in Columbia, Tennessee (the “Company”), and Tim E. Pettus (the “Director”) and is effective as of the 5th day of

March 13, 2009 EX-10.14

AMENDMENT TO THE FIRST FARMERS AND MERCHANTS NATIONAL BANK DIRECTOR SPLIT DOLLAR AGREEMENT

Exhibit 10.14 AMENDMENT TO THE FIRST FARMERS AND MERCHANTS NATIONAL BANK DIRECTOR SPLIT DOLLAR AGREEMENT THIS AMENDMENT, made and entered into this day of , by and between First Farmers and Merchants Bank, successor in interest to First Farmers and Merchants National Bank, a bank organized and existing under the laws of the State of Tennessee (hereinafter referred to as the “Bank”), and , a Direct

March 13, 2009 EX-10.19

FIRST FARMERS AND MERCHANTS CORPORATION DIRECTOR DEFERRED COMPENSATION AGREEMENT

Exhibit 10.19 FIRST FARMERS AND MERCHANTS CORPORATION DIRECTOR DEFERRED COMPENSATION AGREEMENT This Director Deferred Compensation Agreement (the “Agreement”) is adopted this day of , by and between First Farmers and Merchants Corporation, a Company located in Columbia, Tennessee (the “Company”), and (the “Director”) and is effective as of the day of . The purpose of this Agreement is to provide s

March 13, 2009 EX-10.16

FIRST FARMERS AND MERCHANTS NATIONAL BANK GROUP TERM CARVE-OUT PLAN

Exhibit 10.16 FIRST FARMERS AND MERCHANTS NATIONAL BANK GROUP TERM CARVE-OUT PLAN THIS PLAN, hereby made effective this 23rd day of July, 2002 (the “Effective Date”), by and between First Farmers and Merchants National Bank, a national banking association located in Columbia, Tennessee (the “Bank”), and the Participant (the “Participant”) selected to participate in this Plan, intending to be legal

March 13, 2009 EX-10.9

FIRST AMENDMENT TO THE FIRST FARMERS AND MERCHANTS CORPORATION AMENDED AND RESTATED DIRECTOR DEFERRED COMPENSATION AGREEMENT

Exhibit 10.9 FIRST AMENDMENT TO THE FIRST FARMERS AND MERCHANTS CORPORATION AMENDED AND RESTATED DIRECTOR DEFERRED COMPENSATION AGREEMENT This Amendment, made and entered into this 18 day of December, 2007, by and between First Farmers and Merchants Corporation, a Tennessee corporation organized and existing under the laws of the State of Tennessee, (hereinafter referred to as the “Corporation”),

March 13, 2009 EX-10.15

FIRST FARMERS & MERCHANTS BANK GROUP TERM CARVE-OUT PLAN

Exhibit 10.15 FIRST FARMERS & MERCHANTS BANK GROUP TERM CARVE-OUT PLAN THIS PLAN, hereby made effective this 27th day of March, 2007 (the “Effective Date”), by and between First Farmers and Merchants Bank, state-chartered bank located in Columbia; Tennessee (the “Bank”), and the Participant (the “Participant”) selected to participate in this Plan, intending, to be legally bound hereby. INTRODUCTIO

March 13, 2009 EX-10.8

FIRST FARMERS AND MERCHANTS CORPORATION AMENDED AND RESTATED DIRECTOR DEFERRED COMPENSATION AGREEMENT

Exhibit 10.8 FIRST FARMERS AND MERCHANTS CORPORATION AMENDED AND RESTATED DIRECTOR DEFERRED COMPENSATION AGREEMENT THIS AMENDED & RESTATED Director Deferred Compensation Agreement (the “Agreement”) is adopted this day of , by and between First Farmers and Merchants Corporation, a Tennessee corporation located in Columbia, Tennessee (the “Corporation”), and (the “Director”) and is effective as of t

March 13, 2009 EX-10.20

FIRST FARMERS AND MERCHANTS BANK DIRECTOR DEFERRED COMPENSATION AGREEMENT

Exhibit 10.20 FIRST FARMERS AND MERCHANTS BANK DIRECTOR DEFERRED COMPENSATION AGREEMENT This Director Deferred Compensation Agreement (the “Agreement”) is adopted this day of , by and between First Farmers and Merchants Bank, a state-chartered bank located in Columbia, Tennessee (the “Bank”), and (the “Director”) and is effective as of the day of . The purpose of this Agreement is to provide speci

March 13, 2009 EX-21.1

List of Subsidiaries (Direct and Indirect Ownership) First Farmers and Merchants Bank F&M West, Inc. Maury Tenn, Inc. Maury Tenn Properties, Inc.

EXHIBIT 21.1 List of Subsidiaries (Direct and Indirect Ownership) First Farmers and Merchants Bank F&M West, Inc. Maury Tenn, Inc. Maury Tenn Properties, Inc.

March 13, 2009 EX-10.21

FIRST FARMERS AND MERCHANTS BANK DIRECTOR DEFERRED COMPENSATION AGREEMENT

Exhibit 10.21 FIRST FARMERS AND MERCHANTS BANK DIRECTOR DEFERRED COMPENSATION AGREEMENT This Director Deferred Compensation Agreement (the “Agreement”) is adopted this 5th day of March, 2008, by and between First Fanners and Merchants Bank, a state-chartered commercial bank located in Columbia, Tennessee (the “Bank”), and Tim E. Pettus (the “Director”) and is effective as of the 5th day of March,

March 13, 2009 EX-10.5

MEMORANDUM OF UNDERSTANDING

Exhibit 10.5 MEMORANDUM OF UNDERSTANDING This Memorandum of Understanding is entered into this the 8th day of April, 2008 among WAYMON L. HICKMAN (“Hickman”), FIRST FARMERS AND MERCHANTS BANK (“Bank”), and FIRST FARMERS AND MERCHANTS CORPORATION (‘Corporation”), WHEREAS, Hickman will continue with an active presence I the bank and serve as an “Ambassador” for Bank in the seven counties, and WHEREA

March 13, 2009 EX-10.13

FIRST FARMERS AND MERCHANTS NATIONAL BANK DIRECTOR SPLIT DOLLAR AGREEMENT

Exhibit 10.13 FIRST FARMERS AND MERCHANTS NATIONAL BANK DIRECTOR SPLIT DOLLAR AGREEMENT THIS AGREEMENT is made effective this day of (the “Effective Date”), by and between First Farmers and Merchants National Bank (the “Bank”), a national banking association located in Columbia, Tennessee and (the “Director”). This Agreement shall append the Split Dollar Endorsement entered into on , 2002, by and

March 13, 2009 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark one) x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2008 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 000-10972 First Farmers a

November 10, 2008 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2008. or ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Numb

August 14, 2008 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 14, 2008 (August 14, 2008) FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of registrant as specified in its charter) Tennessee 0-10972 62-1148660 (State or other jurisdict

August 11, 2008 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2008 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Numbers: 0

May 12, 2008 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2008 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Numbers: 000-10972 First Fa

March 20, 2008 DEF 14A

UNITED STATES

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the Commission Only (a

March 14, 2008 EX-10.5

MEMORANDUM OF UNDERSTANDING

Exhibit 10.5 MEMORANDUM OF UNDERSTANDING This Memorandum of Understanding is entered into this the 30th day of April, 2005, among WAYMON L. HICKMAN (“Hickman”), FIRST FARMERS & MERCHANTS NATIONAL BANK (“Bank”), and FIRST FARMERS & MERCHANTS CORPORATION (“Corporation”). WHERAS, Hickman, having reached the mandatory retirement age of seventy from the Bank and Corporation Board of Directors, would co

March 14, 2008 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-K (Mark one) x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2007 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 000-10972 First Farmers

March 14, 2008 EX-13.1

2007 REPORT TO SHAREHOLDERS

Exhibit 13.1 2007 REPORT TO SHAREHOLDERS Chairman’s Message 2 2007 in Review 3 Officers 18 F&M Office Directory 19 President’s Message 20 2007 Financial Reports 21 FIRST FARMERS AND MERCHANTS CORPORATION Condensed Statements, December 31, 2007 and December 31, 2006 (In Thousands of Dollars) 2007 2006 % change ASSETS Cash and due from banks $ 35,873 $ 74,981 -52.2 % United States government securit

March 14, 2008 EX-21.1

List of Subsidiaries (Direct and Indirect Ownership)

EXHIBIT 21.1 List of Subsidiaries (Direct and Indirect Ownership) Name State of Incorporation First Farmers and Merchants Bank Tennessee F & M West, Inc. Tennessee Maury Tenn, Inc. Nevada Maury Tenn Properties, Inc. Maryland

March 12, 2008 EX-99.1

FIRST FARMERS ANNOUNCES RESULTS FOR YEAR ENDED DECEMBER 31, 2007

EXHIBIT 99.1 FIRST FARMERS ANNOUNCES RESULTS FOR YEAR ENDED DECEMBER 31, 2007 Columbia, Tennessee (March 12, 2008) ? First Farmers and Merchants Corporation today announced results of operations for the fourth quarter and year ended December 31, 2007. Highlights of the announcement include: ? Total interest income was up 2.95% for 2007 compared to 2006. ? Total noninterest income was up 4.15% for

March 12, 2008 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 12, 2008 (March 12, 2008) FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of registrant as specified in its charter) Tennessee 0-10972 62-1148660 (State or other jurisdictio

January 22, 2008 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 22, 2008 (January 15, 2008) FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of registrant as specified in its charter) Tennessee 0-10972 62-1148660 (State or other jurisdi

January 4, 2008 8-K

Financial Statements and Exhibits, Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 4, 2008 (January 3, 2008) FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of registrant as specified in its charter) Tennessee 0-10972 62-1148660 (State or other jurisdict

January 4, 2008 EX-99.1 CHARTER

First Farmers & Merchants Corporation Announces Dividend

First Farmers & Merchants Corporation Announces Dividend COLUMBIA, Tenn., January 2, 2007 - First Farmers & Merchants Corporation announced today that it has paid a semi-annual dividend to shareholders in the amount of $0.35 per share. This is the 51st consecutive increase in semi-annual dividends. "The payment of this dividend amounts to a payout of $1,990,680.65 to over 2,400 shareholders of our

December 27, 2007 EX-99.1 CHARTER

First Farmers & Merchants Bank Purchases Nashville Highway Property

First Farmers & Merchants Bank Purchases Nashville Highway Property COLUMBIA, Tenn.

December 27, 2007 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 27, 2007 (December 26, 2007) FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of registrant as specified in its charter) Tennessee 0-10972 62-1148660 (State or other juris

November 8, 2007 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2007 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 000-10972 F

August 8, 2007 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2007 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 000-10972 First

May 29, 2007 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 25, 2007 (May 25, 2007) FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of registrant as specified in its charter) Tennessee 0-10972 62-1148660 (State or other jurisdiction of

May 29, 2007 EX-99.2 BYLAWS

May 30, 2007

May 30, 2007 Dear Shareholder: I am pleased to report outstanding performance by your bank during the recently ended first quarter.

May 29, 2007 EX-99.1 CHARTER

EX-99.1 CHARTER

Information for Release Contact: Jeff Bradford/Jason Mackey (615) 312-7220 jcb@bradfordgrp.

May 10, 2007 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2007 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Numbers: 0-10972 First

April 24, 2007 EX-13

COMPARATIVE PERFORMANCE

COMPARATIVE PERFORMANCE Set forth below is a graph comparing the yearly change in the cumulative total shareholder return on the Common Stock ("FF&M" in the graph) against the cumulative total return of the S&P 500 Index and the S&P Major Regional Bank Index** for the period of five years commencing December 31, 2001 and ending December 31, 2006.

April 24, 2007 10-K/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 (Mark one) FORM 10-K/A (Amendment No. 1) [X] Annual Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 For the fiscal year ended December 31, 2006 or [ ] TRANSITION REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 For the transition period from to Commission file number

April 24, 2007 EX-21

List of Subsidiaries (Direct and Indirect Ownership) First Farmers and Merchants Bank F&M West, Inc. Maury Tenn, Inc. Maury Tenn Properties, Inc.

EXHIBIT 21.1 List of Subsidiaries (Direct and Indirect Ownership) First Farmers and Merchants Bank F&M West, Inc. Maury Tenn, Inc. Maury Tenn Properties, Inc.

April 23, 2007 8-K

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 23, 2007 (April 17, 2007) FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of registrant as specified in its charter) Tennessee 0-10972 62-1148660 (State or other jurisdictio

April 23, 2007 EX-3

AMENDED AND RESTATED FIRST FARMERS AND MERCHANTS CORPORATION ARTICLE I - OFFICES

Exhibit 3.1 AMENDED AND RESTATED BYLAWS OF FIRST FARMERS AND MERCHANTS CORPORATION ARTICLE I - OFFICES The principal office of First Farmers and Merchants Corporation (the "Corporation") in the State of Tennessee shall be located in the City of Columbia, County of Maury. The Corporation may have such other offices, either within or without the state of incorporation as the Board of Directors may d

March 28, 2007 DEF 14A

DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

March 16, 2007 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 (Mark one) FORM 10-K [X] Annual Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 For the fiscal year ended December 31, 2006 or [ ] TRANSITION REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 For the transition period from to Commission file number 0-10972 First Farmer

March 13, 2007 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 13, 2007 (March 13, 2007) FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of registrant as specified in its charter) Tennessee 0-10972 62-1148660 (State or other jurisdictio

February 5, 2007 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 5, 2007 (January 30, 2007) FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of registrant as specified in its charter) Tennessee 0-10972 62-1148660 (State or other jurisdi

January 30, 2007 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 30, 2007 (January 26, 2007) FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of registrant as specified in its charter) Tennessee 0-10972 62-1148660 (State or other jurisdi

January 8, 2007 EX-99.1 CHARTER

F&M SHAREHOLDERS RECEIVE CASH DIVIDEND

INFORMATION FOR RELEASE CONTACT: Kim Doddridge 931-380-8296 [email protected] or Jeff Bradford 615-312-7220 [email protected] F&M SHAREHOLDERS RECEIVE CASH DIVIDEND COLUMBIA, Tenn. Jan. 5, 2007 - First Farmers & Merchants Corporation's Board of Directors announced today the payment of a cash dividend of $.34 per share on 5,796,721 shares of First Farmers & Merchants Corporation common

January 8, 2007 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 8, 2007 (January 5, 2007) FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of registrant as specified in its charter) Tennessee 0-10972 62-1148660 (State or other jurisdict

November 9, 2006 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2006 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 0-10972 Fir

August 9, 2006 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2006 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 0-10972 First Fa

July 10, 2006 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 10, 2006 (June 23, 2006) FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of registrant as specified in its charter) Tennessee 0-10972 62-1148660 (State or other jurisdiction

May 10, 2006 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2006 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file numbers 0-10972 First F

March 17, 2006 DEF 14A

Article I. AUDIT COMMITTEE CHARTER

United States Securities & Exchange Commission Washington, DC 20549 SCHEDULE 14A (RULE 14a-101) SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the registrant [X] Filed by a party other than the registrant [ ] Check the appropriate box: [ ] Preliminary Proxy Statement.

March 14, 2006 EX-13

FORWARD-LOOKING STATEMENTS

FORWARD-LOOKING STATEMENTS Certain statements contained in this report may not be based on historical facts and are "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended.

March 14, 2006 EX-21

FIRST FARMERS AND MERCHANTS CORPORATION List of Subsidiaries First Farmers and Merchants Bank

FIRST FARMERS AND MERCHANTS CORPORATION Exhibit 21.1 List of Subsidiaries First Farmers and Merchants Bank

March 14, 2006 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 (Mark one) FORM 10-K [X] Annual Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 For the fiscal year ended December 31, 2005 Or [ ] TRANSITION REPOR

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 (Mark one) FORM 10-K [X] Annual Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 For the fiscal year ended December 31, 2005 Or [ ] TRANSITION REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 For the transition period from to Commission file number 0-10972 First Farmer

December 21, 2005 8-K

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 20, 2005 (December 20, 2005) FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of registrant as specified in its charter) Tennessee 0-10972 62-1148660 (State or other juris

November 3, 2005 10-Q

United States SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-Q

United States SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-Q Mark One [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2005 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 0-10972 Firs

August 4, 2005 10-Q

United States SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-Q

United States SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-Q Mark One [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2005 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 0-10972 First Far

August 4, 2005 EX-10

MEMORANDUM OF UNDERSTANDING

MEMORANDUM OF UNDERSTANDING This Memorandum of Understanding is entered into this the 29 day of April, 2005, among WAYMON L.

July 26, 2005 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 26, 2005 (July 26, 2005) FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of registrant as specified in its charter) Tennessee 0-10972 62-1148660 (State or other jurisdiction

May 10, 2005 10-Q

United States SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-Q

United States SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-Q Mark One [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2005 Or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 0-10972 First Fa

May 2, 2005 10-K/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 (Mark one) FORM 10-K/A (Amendment No. 1) [X] Annual Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 For the fiscal year ended December 31, 2004 Or [ ] TRANSITION REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 For the transition period from to Commission file number

March 21, 2005 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 21, 2005 (March 17, 2005) F

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 21, 2005 (March 17, 2005) FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of registrant as specified in its charter) Tennessee 0-10972 62-1148660 (State or other jurisdictio

March 18, 2005 DEF 14A

AUDIT COMMITTEE CHARTER

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant [X] Filed by a Party other than the Registrant [ ] Check the appropriate box: [ ] Preliminary Proxy Statement [ ] Confidential, for Use of the Commission Only(as permitted by Rule 14a-6(e)(2))

March 16, 2005 EX-13

FORWARD-LOOKING STATEMENTS

FORWARD-LOOKING STATEMENTS Certain statements contained in this report may not be based on historical facts and are "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended.

March 16, 2005 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 (Mark one) FORM 10-K [X] Annual Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 For the fiscal year ended December 31, 2004 Or [ ] TRANSITION REPOR

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 (Mark one) FORM 10-K [X] Annual Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 For the fiscal year ended December 31, 2004 Or [ ] TRANSITION REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 For the transition period from to Commission file number 0-10972 First Farmer

November 9, 2004 10-Q

United States SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-Q (Mark One) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2004 or [ ] TRANSIT

United States SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-Q (Mark One) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2004 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 0-10972 Fi

October 22, 2004 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 22, 2004 (October 22, 2004) FIRST FARMERS AND MERCHANTS CORPORATION (Exact name of registrant as specified in its charter) Tennessee 0-10972 62-1148660 (State or other jurisdi

October 22, 2004 EX-99.1 CHARTER

First Farmers & Merchants Corporation

Exhibit 99.1 First Farmers & Merchants Corporation Releases 2004 Third Quarter Results COLUMBIA, Tenn., Oct. 21, 2004 - Financial results as of September 30, 2004, released today by First Farmers & Merchants Corporation, the parent of First Farmers & Merchants National Bank, showed gains in loans, assets and shareholders' equity since December 31, 2003. From December 31, 2003 through September 30,

August 9, 2004 10-Q

United States SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-Q

United States SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-Q (Mark One) [X] Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended June 30, 2004 or [ ] Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File Number: 0-10972 First F

July 23, 2004 8-K

Current Report

United States SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report: July 22, 2004 (Date of earliest event reported): (July 22, 2004) First Farmers and Merchants Corporation (Exact name of registrant as specified in its charter) Tennessee (State or other jurisdiction of incorporation

July 19, 2004 10-K/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-K/A (Amendment No. 2) Annual Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 For the fiscal year ended December 31, 2003 Commission file nu

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-K/A (Amendment No. 2) Annual Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 For the fiscal year ended December 31, 2003 Commission file number 0-10972 First Farmers and Merchants Corporation (Exact name of registrant as specified in its charter) Tennessee 62-1148660 State or other jurisd

July 19, 2004 EX-10

MEMORANDUM OF UNDERSTANDING

EXHIBIT 10.5 MEMORANDUM OF UNDERSTANDING This Memorandum of understanding is entered into this 17th day of June 2002, among WAYMON L. HICKMAN ("Hickman"), FIRST FARMERS & MERCHANTS NATIONAL BANK ("Bank"), and FIRST FARMERS & MERCHANTS CORPORATION ("Corporation"). WHEREAS, Hickman is currently serving as an officer and director of Bank and Corporation in the capacities of Chairman of the Board and

July 19, 2004 EX-10

AMENDMENT TO THE ADOPTION AGREEMENT FOR THE FINAL AND TEMPORARY MINIMUM DISTRIBUTION RULES OF CODE SECTION 401(a)(9)

EXHIBIT 10.3 AMENDMENT TO THE ADOPTION AGREEMENT FOR THE FINAL AND TEMPORARY MINIMUM DISTRIBUTION RULES OF CODE SECTION 401(a)(9) Except as otherwise noted, effective as of the first day of the first Plan Year beginning after December 31, 2001, on the Adoption Agreement the section entitled "Distribution Options" is amended by adding the following new section to the Adoption Agreement. Minimum Dis

July 19, 2004 EX-10

NONSTANDARDIZED ADOPTION AGREEMENT PROTOTYPE PROFIT-SHARING PLAN Sponsored by

EXHIBIT 10.1 NONSTANDARDIZED ADOPTION AGREEMENT PROTOTYPE PROFIT-SHARING PLAN Sponsored by First Farmers & Merchants National Bank The Employer named below hereby establishes a Profit-Sharing Plan for eligible Employees as provided in this Adoption Agreement and the accompanying Basic Plan Document #01. I.EMPLOYER INFORMATION If more than one Employer is adopting the Plan, complete this section ba

July 19, 2004 EX-10

EXECUTIVE SALARY CONTINUATION AGREEMENT

exh10four EXHIBIT 10.4 EXECUTIVE SALARY CONTINUATION AGREEMENT THIS AGREEMENT, made and entered into this first day of December, 1992, by and between First Farmers and Merchants National Bank, a Bank organized and existing under the laws of the State of Tennessee, (hereinafter called the Bank), and Waymon L. Hickman (hereinafter called the Executive). W I T N E S S E T H: WHEREAS, the Executive is

July 19, 2004 EX-10

CHANGE IN CONTROL AGREEMENT

ex10six EXHIBIT 10.6 CHANGE IN CONTROL AGREEMENT THIS AGREEMENT (this "Agreement") entered into as of June 28, 2002, by and among FIRST FARMERS & MERCHANTS NATIONAL BANK, COLUMBIA, TENNESSEE, a national banking association (the "Employer"), and Berry Brooks, an individual resident of the State of Tennessee (the "Employee"). WHEREAS, the Employee seeks employment on an at-will basis from Employer,

July 19, 2004 EX-10

AMENDMENT TO THE PROFIT-SHARING PLAN ADOPTION AGREEMENT #005

EXHIBIT 10.2 AMENDMENT TO THE NONSTANDARDIZED PROFIT-SHARING PLAN ADOPTION AGREEMENT #005 1.Except as otherwise noted, effective as of the first day of the first Plan Year beginning after December 31, 2001, Section VI of the Nonstandardized Profit-Sharing Plan Adoption Agreement #005 entitled "EMPLOYEE CONTRIBUTIONS" is amended by adding the following new sections: "C.Direct Rollovers: The Plan wi

May 10, 2004 EX-3

AMENDMENT TO THE BY-LAWS FIRST FARMERS AND MERCHANTS CORPORATION

EXHIBIT 3.4 AMENDMENT TO THE BY-LAWS OF FIRST FARMERS AND MERCHANTS CORPORATION The By-laws of First Farmers and Merchants Corporation (the "By-laws") are hereby amended as follows: (a) The provisions of Article II, Section 1 of the By-laws are hereby deleted in their entirety and replaced with the following: 1. ANNUAL MEETING The annual meeting of stockholders shall be held on a date and time des

May 10, 2004 10-Q

United States SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549

United States SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-Q Mark One [X] Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 for the quarterly period ended March 31, 2004 or [ ] Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File Number: 0-10972 First Fa

May 7, 2004 10-K/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-K/A (Amendment No. 1) Annual Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 For the fiscal year ended December 31, 2003 Commission file number 0-10972 First Farmers and Merchants Corporation (Exact name of registrant as specified in its charter) Tennessee 62-1148660 (State or other juris

May 7, 2004 EX-3

BY-LAWS FIRST FARMERS AND MERCHANTS CORPORATION

EXHIBIT 3.3 BY-LAWS OF FIRST FARMERS AND MERCHANTS CORPORATION ARTICLE I - OFFICES The principal office of the corporation in the State of Tennessee shall be located in the City of Columbia, County of Maury. The corporation may have such other offices, either within or without the state of incorporation as the Board of Directors may designate or as the business of the corporation may from time to

May 7, 2004 EX-3

CHARTER FIRST FARMERS AND MERCHANTS CORPORATION

EXHIBIT 3.1 CHARTER OF FIRST FARMERS AND MERCHANTS CORPORATION THE UNDERSIGNED natural persons, having capacity to contract and acting as incorporators of a corporation under the Tennessee General Corporation Act, adopt the following Charter for such corporation: 1. Name. The name of the Corporation is: FIRST FARMERS AND MERCHANTS CORPORATION 2. Duration. The duration of the Corporation is perpetu

May 7, 2004 EX-4

Specimen Stock

EXHIBIT 4.1 Specimen Stock Certificate INCORPORATED UNDER THE LAWS OF THE STATE OF TENNESSEE [Number] [SHARES] First Farmers and Merchants Corporation TOTAL AUTHORIZED ISSUE 8,000,000 SHARES PAR VALUE OF $10.00 EACH This certifies that is the owner of FULLY PAID AND NON-ASSESSABLE SHARES OF THE ABOVE CORPORATION TRANSFERABLE ONLY ON THE BOOKS OF THE CORPORATION BY THE HOLDER HEREOF IN PERSON OR BY

April 22, 2004 8-K

Current Report

United States SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report: April 21, 2004 Date of earliest event reported: April 20, 2004 First Farmers and Merchants Corporation (Exact name of registrant as specified in its charter) Tennessee (State or other jurisdiction of incorporation or

April 16, 2004 8-K

Current Report

8-K 1 apr048k.htm APRIL 16, 2004 8-K United States SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report: April 16, 2004 (Date of earliest event reported: April 7, 2004) First Farmers and Merchants Corporation (Exact name of registrant as specified in its charter) Tennessee (State or

March 19, 2004 DEF 14A

United States Securities & Exchange Commission Washington, DC 20549 Schedule 14A (Rule 14a-101) SCHEULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

United States Securities & Exchange Commission Washington, DC 20549 Schedule 14A (Rule 14a-101) SCHEULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the registrant X Filed by a party other than the registrant Check the appropriate box: Preliminary Proxy Statement Confidential, For Use of the Commission Only (as permitted by Rule 14a-6(e)(2)).

March 15, 2004 EX-21

FIRST FARMERS AND MERCHANTS CORPORATION List of Subsidiaries

FIRST FARMERS AND MERCHANTS CORPORATION Exhibit 21.1 List of Subsidiaries First Farmers and Merchants National Bank

March 15, 2004 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-K Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2003 Commission file number 0-10972 First Farmers and Merchants Corporation (Exact name of registrant as specified in its charter) Tennessee 62-1148660 (State or other jurisdiction of incorpora

March 15, 2004 EX-13

FIRST FARMERS AND MERCHANTS CORPORATION AND SUBSIDIARY MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION

SECURITIES AND EXCHANGE COMMISSION FIRST FARMERS AND MERCHANTS CORPORATION AND SUBSIDIARY MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS FORWARD-LOOKING STATEMENTS Certain statements contained in this report may not be based on historical facts and are "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended.

March 4, 2004 8-K

Current Report

SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 8-K Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) March 3, 2004 (March 2, 2004) Commission file number 0-10972 First Farmers and Merchants Corporation (Exact name of registrant as specified in its charter) Tennessee 62-1148660 (State or other jurisdiction of inc

November 14, 2003 10-Q

SECURITIES AND EXCHANGE COMMISSION

SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-Q Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarter ended September 30, 2003 Commission file number 0-10972 First Farmers and Merchants Corporation (Exact name of registrant as specified in its charter) Tennessee 62-1148660 (State or other jurisdiction of incorporation or organi

November 5, 2003 8-K

Current Report

SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 8-K Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) November 5, 2003 (November 4, 2003) Commission file number 0-10972 First Farmers and Merchants Corporation (Exact name of registrant as specified in its charter) Tennessee 62-1148660 (State or other jurisdiction

August 13, 2003 10-Q

SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549

SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-Q Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarter ended June 30, 2003 Commission file number 0-10972 First Farmers and Merchants Corporation (Exact name of registrant as specified in its charter) Tennessee 62-1148660 (State or other jurisdiction of incorporation or organizatio

August 7, 2003 8-K/A

Current Report

SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 8-K Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) August 6, 2003 (August 6, 2003) Commission file number 0-10972 First Farmers and Merchants Corporation (Exact name of registrant as specified in its charter) Tennessee 62-1148660 (State or other jurisdiction of i

August 6, 2003 8-K

Current Report

SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 8-K Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) August 6, 2003 (August 6, 2003) Commission file number 0-10972 First Farmers and Merchants Corporation (Exact name of registrant as specified in its charter) Tennessee 62-1148660 (State or other jurisdiction of i

May 13, 2003 10-Q

SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549

SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-Q Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarter ended March 31, 2003 Commission file number 0-10972 First Farmers and Merchants Corporation (Exact name of registrant as specified in its charter) Tennessee 62-1148660 (State or other jurisdiction of incorporation or organizati

March 28, 2003 10-K

SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549

SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-K Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2002 Commission file number 0-10972 First Farmers and Merchants Corporation (Exact name of registrant as specified in its charter) Tennessee 62-1148660 (State or other jurisdiction of incorporation or organi

March 25, 2003 DEF 14A

March 24, 2003

March 24, 2003 Dear Stockholder: Financial reports for First Farmers and Merchants Corporation and Subsidiary (First Farmers and Merchants National Bank of Columbia) are enclosed.

November 14, 2002 10-Q

SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549

sep090210q SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-Q Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarter ended September 30, 2002 Commission file number 0-10972 First Farmers and Merchants Corporation (Exact name of registrant as specified in its charter) Tennessee 62-1148660 (State or other jurisdiction of incorporatio

October 4, 2002 8-K/A

Current Report

SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 8-K Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) October 3, 2002 (October 2, 2002) Commission file number 0-10972 First Farmers and Merchants Corporation (Exact name of registrant as specified in its charter) Tennessee 62-1148660 (State or other jurisdiction of

October 3, 2002 8-K

Current Report

SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 8-K Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) October 2, 2002 Commission file number 0-10972 First Farmers and Merchants Corporation (Exact name of registrant as specified in its charter) Tennessee 62-1148660 (State or other jurisdiction of incorporation or

August 15, 2002 10-Q/A

SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549

SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-Q Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarter ended June 30, 2002 Commission file number 0-10972 First Farmers and Merchants Corporation (Exact name of registrant as specified in its charter) Tennessee 62-1148660 (State or other jurisdiction of incorporation or organizatio

August 15, 2002 8-K/A

Current Report

SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 8-K Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) August 14, 2002 Commission file number 0-10972 First Farmers and Merchants Corporation (Exact name of registrant as specified in its charter) Tennessee 62-1148660 (State or other jurisdiction of incorporation or

August 14, 2002 8-K

Current Report

SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 8-K Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) August 14, 2002 Commission file number 0-10972 First Farmers and Merchants Corporation (Exact name of registrant as specified in its charter) Tennessee 62-1148660 (State or other jurisdiction of incorporation or

August 14, 2002 10-Q

SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549

SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-Q Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarter ended June 30, 2002 Commission file number 0-10972 First Farmers and Merchants Corporation (Exact name of registrant as specified in its charter) Tennessee 62-1148660 (State or other jurisdiction of incorporation or organizatio

May 20, 2002 10-Q

SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549

SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-Q Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarter ended March 31, 2002 Commission file number 0-10972 First Farmers and Merchants Corporation (Exact name of registrant as specified in its charter) PRIVATE Tennessee 62-1148660 (State or other jurisdiction of incorporation or or

May 15, 2002 NT 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 12b-25 Notification of Late Filing of FORM 10-Q Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarter ended March 31, 2002 Commission file number 0-10972 PART 1 REGISTRANT INFORMATION First Farmers and Merchants Corporation (Exact name of registrant as specified in its ch

April 22, 2002 10-Q/A

SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-Q AMENDED Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-Q AMENDED Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarter ended September 30, 2001 Commission file number 0-10972 First Farmers and Merchants Corporation (Exact name of registrant as specified in its charter) Tennessee 62-1148660 (State or other jurisdiction of incorporation o

March 29, 2002 10-K

SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549

SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-K Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2001 Commission file number 0-10972 First Farmers and Merchants Corporation (Exact name of registrant as specified in its charter) Tennessee 62-1148660 (State or other jurisdiction of incorporation or organi

March 27, 2002 DEF 14A

March 26, 2002

March 26, 2002 Dear Stockholder: Financial reports for First Farmers and Merchants Corporation and Subsidiary (First Farmers and Merchants National Bank of Columbia) are enclosed.

November 14, 2001 10-Q

SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549

SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-Q Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarter ended September 30, 2001 Commission file number 0-10972 First Farmers and Merchants Corporation (Exact name of registrant as specified in its charter) Tennessee 62-1148660 (State or other jurisdiction of incorporation or organi

August 15, 2001 10-Q

SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549

SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-Q Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarter ended June 30, 2001 Commission file number 0-10972 First Farmers and Merchants Corporation (Exact name of registrant as specified in its charter) Tennessee 62-1148660 (State or other jurisdiction of incorporation or organizatio

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