KAUKAUNA, Wis. - F&M Bancorp, an $889 million-asset bank holding company, said first-quarter earnings were $2.4 million, up 36.4% from last year's quarter. Earnings per share were up 38.7%, to 43 cents.

The company said its '94 numbers included one-time acquisition and restructuring costs incurred from three deals between September 1993 and March 1994.

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