With more than 40 years in the financial industry and 18 years at F&M Trust, Carole Crist brings a wealth of experience to her clients. She specializes in Estate Settlement, Power of Attorney and Guardian Services, Living and Testamentary Trusts, as well as Special Needs and Charitable Trusts. Carole is dedicated to providing personalized financial services to individuals in Franklin, Fulton, and Cumberland Counties, offering support both at their homes and at care facilities.

Carole is a graduate of the Central Atlantic School of Banking, earning Top Honors from the School of Trust and Investments. She also attended Virginia Commonwealth University and Penn State University, studying graphic arts and later business and finance. Her commitment to professional growth is reflected in her graduation from Leadership Franklin County.

A member of the Evening Kiwanis Club of Chambersburg, Carole is actively involved in her community, volunteering at church-sponsored events and supporting local initiatives. She lives in Chambersburg, PA, and enjoys spending time with her four sons and four grandchildren. In her free time, Carole pursues hobbies like gardening and reading.