Farmers and Mechanics National Bank, Frederick, Md., said Richard McGinnis has joined the bank as senior vice president and division head of the retail sales division.

Mr. McGinnis assumes responsibility for management of the bank's retail business units, including delivery systems, residential mortgage, consumer credit, and bank card services.

He comes to F&M from Boatmen's Bank of Sioux City, Iowa. He also has held positions with the American Bankers Association and First Virginia Banks, specializing in marketing, product pricing, and commercial loan analysis.

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