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<title>Prepared by EDGARX.com</title>
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<body lang=EN-US link=blue vlink=purple>

<u>
<p style='font-size:10.0pt;
letter-spacing:-.15pt; ' align="center">_______________________________________________________________________________________________</u></p>
<p class=MsoNormal align=center style='text-align:center; '><b>
<p
style='font-size:10.0pt;letter-spacing:-.15pt; ' align="center">UNITED STATES</b></p>
<p class=MsoNormal align=center style='text-align:center; '><b>
<p
style='font-size:10.0pt;letter-spacing:-.15pt; ' align="center">SECURITIES AND EXCHANGE
COMMISSION</b></p>
<p class=MsoNormal align=center style='text-align:center; '><b>
<p
  style='font-size:10.0pt;letter-spacing:-.15pt; ' align="center">Washington , D.C. 20549</b><p class=MsoNormal align=center style='text-align:center; '>
<p
style='font-size:10.0pt;letter-spacing:-.15pt; ' align="center">______________________________</p>
<p class=MsoNormal align=center style='text-align:center; '><b>
<p
style='letter-spacing:-.15pt; ' align="center">FORM 8-K</b></p>
<p class=MsoNormal align=center style='text-align:center; '><b>
<p
style='font-size:10.0pt;letter-spacing:-.15pt; ' align="center">CURRENT REPORT</b></p>
<p class=MsoNormal align=center style='text-align:center; '><b>
<p
style='font-size:10.0pt;letter-spacing:-.15pt; ' align="center">Pursuant to Section 13 or 15(d)
of The Securities Exchange Act of 1934</b></p>
<p class=MsoNormal align=center style='text-align:center; '>
<p
style='font-size:10.0pt;letter-spacing:-.15pt; ' align="center">Date of Report (Date of earliest
event reported):&#160; January 15, 2015 (January 12, 2015)</p>
<p class=MsoNormal align=center style='text-align:center; '>
<p
style='font-size:10.0pt;letter-spacing:-.15pt; ' align="center">______________________________</p>
<p class=MsoNormal align=center style='text-align:center; '><b>
<p
style='letter-spacing:-.15pt; ' align="center">FIRST FARMERS AND MERCHANTS CORPORATION</b></p>
<p class=MsoNormal align=center style='text-align:center; '>
<p
style='font-size:10.0pt;letter-spacing:-.15pt; ' align="center">(Exact name of registrant as
specified in its charter)</p>
<p class=MsoNormal style='text-align:justify; '>
<p style='font-size:10.0pt;
letter-spacing:-.15pt; '>&nbsp;</p>
<div align="center">
	<table class=MsoNormalTable border=0 cellpadding=0
 style='border-collapse:collapse' width="100%">
		<tr>
			<td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; border-bottom:1.0pt solid windowtext; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="center" nowrap>
			<p class=MsoNormal align=center style='text-align:center; '><b>
			<p
    style='font-size:10.0pt;letter-spacing:-.15pt; '>Tennessee</b></p></td>
			<td valign=top style='padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="center" nowrap>
			<p class=MsoNormal align=center style='text-align:center; '>&nbsp;</p>
			</td>
			<td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; border-bottom:1.0pt solid windowtext; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="center" nowrap>
			<p class=MsoNormal align=center style='text-align:center; '><b>
			<p
  style='font-size:10.0pt;letter-spacing:-.15pt; '>000-10972</b></p></td>
			<td valign=top style='padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="center" nowrap>
			<p class=MsoNormal align=center style='text-align:center; '>&nbsp;</p>
			</td>
			<td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; border-bottom:1.0pt solid windowtext; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="center" nowrap>
			<p class=MsoNormal align=center style='text-align:center; '><b>
			<p
  style='font-size:10.0pt;letter-spacing:-.15pt; '>62-1148660</b></p></td>
		</tr>
		<tr>
			<td colspan=2 valign=top style='padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="center" nowrap>
			<p class=MsoNormal align=center style='text-align:center; '>
			<p
  style='font-size:10.0pt;letter-spacing:-.15pt; '>(State or other jurisdiction
  			<br>
			of incorporation)</p></td>
			<td valign=top style='padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="center" nowrap>
			<p class=MsoNormal align=center style='text-align:center; '>&nbsp;</p>
			</td>
			<td colspan=3 valign=top style='padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="center" nowrap>
			<p class=MsoNormal align=center style='text-align:center; '>
			<p
  style='font-size:10.0pt;letter-spacing:-.15pt; '>(Commission File Number)</p>
			</td>
			<td valign=top style='padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="center" nowrap>
			<p class=MsoNormal align=center style='text-align:center; '>
			<p
  style='font-size:10.0pt;letter-spacing:-.15pt; '>&nbsp;</p></td>
			<td colspan=2 valign=top style='padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="center" nowrap>
			<p class=MsoNormal align=center style='text-align:center; '>
			<p
  style='font-size:10.0pt;letter-spacing:-.15pt; '>(IRS Employer Identification
  No.)</p>
			<p class=MsoNormal style='text-align:justify; '>
			<p style='font-size:10.0pt;
  letter-spacing:-.15pt; '>&nbsp;</p></td>
		</tr>
		<tr>
			<td valign=top style='padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="center" nowrap>
			<p class=MsoNormal style='text-align:justify; '>
			<p style='font-size:10.0pt;
  letter-spacing:-.15pt; '>&nbsp;</p></td>
			<td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; border-bottom:1.0pt solid windowtext; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="center" nowrap>
			<p class=MsoNormal align=center style='text-align:center; '><b>
			<p
    style='font-size:10.0pt;letter-spacing:-.15pt; '>816 South Garden Street<br>
			Columbia, Tennessee</b></p></td>
			<td valign=top style='padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="center" nowrap>
			<p class=MsoNormal align=center style='text-align:center; '>
			<p
  style='font-size:10.0pt;letter-spacing:-.15pt; '>&nbsp;</p></td>
			<td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; border-bottom:1.0pt solid windowtext; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="center" nowrap>
			<p class=MsoNormal align=center style='text-align:center; '><b>
			<p
  style='font-size:10.0pt;letter-spacing:-.15pt; '><br>
			&nbsp;38402-1148</b></p></td>
			<td valign=top style='padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="center" nowrap>
			<p class=MsoNormal style='text-align:justify; '>
			<p style='font-size:10.0pt;
  letter-spacing:-.15pt; '>&nbsp;</p></td>
		</tr>
		<tr>
			<td valign=top style='padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="center" nowrap>
			<p class=MsoNormal style='text-align:justify; '>
			<p style='font-size:10.0pt;
  letter-spacing:-.15pt; '>&nbsp;</p></td>
			<td colspan=3 valign=top style='padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="center" nowrap>
			<p class=MsoNormal align=center style='text-align:center; '>
			<p
  style='font-size:10.0pt;letter-spacing:-.15pt; '>(Address of principal
  executive offices)</p></td>
			<td valign=top style='padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="center" nowrap>
			<p class=MsoNormal align=center style='text-align:center; '>
			<p
  style='font-size:10.0pt;letter-spacing:-.15pt; '>&nbsp;</p></td>
			<td colspan=3 valign=top style='padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="center" nowrap>
			<p class=MsoNormal align=center style='text-align:center; '>
			<p
  style='font-size:10.0pt;letter-spacing:-.15pt; '>(Zip Code)</p></td>
			<td valign=top style='padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="center" nowrap>
			<p class=MsoNormal style='text-align:justify; '>
			<p style='font-size:10.0pt;
  letter-spacing:-.15pt; '>&nbsp;</p></td>
		</tr>
		</table></div>
<p class=MsoNormal align=center style='text-align:center; '>
<p
style='font-size:10.0pt;letter-spacing:-.15pt; ' align="center">Registrant&#146;s telephone number,
including area code <u>&#160;&#160;&#160;<b>(931) 388-3145&#160;&#160;&#160; </b></u></p>
<p class=MsoNormal align=center style='text-align:center; '>
<p
style='font-size:10.0pt;letter-spacing:-.15pt; '>&nbsp;</p>
<p class=MsoNormal style='text-align:justify; '>
<p style='font-size:9.0pt;
letter-spacing:-.15pt; '>Check the appropriate box below if the Form 8-K filing
is intended to simultaneously satisfy the filing obligation of the registrant
under any of the following provisions:</p>
<p class=MsoNormal style='text-align:justify; '>
<p style='font-size:9.0pt;
font-family:Wingdings;letter-spacing:-.15pt; '>&#168;<font face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Written communications pursuant to Rule 425
under the Securities Act (17 CFR 230.425)</font><p class=MsoNormal style='text-align:justify; '>
<p style='font-size:9.0pt;
font-family:Wingdings;letter-spacing:-.15pt; '>&#168;<font face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Soliciting material pursuant to Rule 14a-12
under the Exchange Act (17 CFR 240.14a-12)</font><p class=MsoNormal style='text-align:justify; '>
<p style='font-size:9.0pt;
font-family:Wingdings;letter-spacing:-.15pt; '>&#168;
<font face="Times New Roman">&nbsp;&nbsp;&nbsp;Pre-commencement communications pursuant to Rule
14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</font><p class=MsoNormal style='text-align:justify; '>
<p style='font-size:9.0pt;
font-family:Wingdings;letter-spacing:-.15pt; '>&#168;<font face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Pre-commencement communications pursuant to Rule
13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</font><p class=MsoNormal style='text-align:center; '><u>
<p style='font-size:10.0pt;
letter-spacing:-.15pt; ' align="center">_______________________________________________________________________________________________</u></p>
<p style='font-size:10.0pt;font-family:"Times New Roman","serif"; '>
<hr><p style="page-break-after:always"></p>
<p class=MsoNormal><b>
<p style='letter-spacing:-.15pt; '><font face="Times New Roman">Section
4 &#150; Matters Related to Accountants and Financial Statements</font></p>
<p style='font-size:10.0pt;letter-spacing:-.15pt; '></b></p>
<p class=lhb align=left style='text-align:left;page-break-after:auto; '>
<font face="Times New Roman"><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Item 4.02(a).&#160;&#160;&#160;&#160;&#160;&#160;&#160; Non-Reliance on Previously
Issued Financial Statements or a Related Audit Report <br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; or Completed Interim
Review.</b></font></p>
<p class=lhb align=left style='text-align:left; '>
<p class=lhb align=left style='text-align:left; '>
<p style='font-weight:normal; '><font face="Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160;&#160; The
principal business of First Farmers and Merchants Corporation (the
&#147;Corporation&#148;) is conducted through its wholly owned subsidiary, First Farmers
and Merchants Bank (the &#147;Bank&#148;). On January 12, 2015, the Audit Committee of
the Bank&#146;s board of directors (the &#147;Audit Committee&#148;) concluded, based on the
recommendation of the Corporation&#146;s management, that the Corporation&#146;s financial
statements at December 31, 2012 and 2013 (the &#147;Financial Statements&#148;) included
in the Corporation&#146;s Annual Report on Form 10-K for the year ended December 31,
2013 filed with the Securities and Exchange Commission on March 5, 2014 (as
amended, the &#147;2013 Form 10-K&#148;) should be restated to correct errors in
accounting for the Corporation&#146;s defined benefit post-retirement healthcare
plan and should therefore not be relied on. The Corporation intends to file an
Amendment No. 2 to the 2013 Form 10-K to correct the errors as soon as
reasonably practicable. The Amendment No. 2 to the 2013 Form 10-K may also
correct certain other immaterial errors in connection with the restatement.</font></p>
<p class=lhb align=left style='text-align:left;page-break-after:auto; '>
<p
style='font-weight:normal; '><font face="Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160;&#160; The facts requiring the restatement of the
Financial Statements were identified by the Corporation&#146;s management in the
course of preparing the Corporation&#146;s financial statements for the year ended
December 31, 2014. </font> </p>
<p class=lhb align=left style='text-align:left;page-break-after:auto; '>
<p
style='font-weight:normal; '><font face="Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160;&#160; The Corporation&#146;s management and Audit
Committee have discussed the matter disclosed in this Current Report on Form
8-K with representatives of BKD, LLP, the independent registered public
accounting firm engaged by the Corporation to audit the consolidated financial
statements of the Corporation and its subsidiaries for the years ended December
31, 2012 and 2013.&#160; </font> </p>
<p class=lhb align=left style='text-align:left;page-break-after:auto; '><i>
<p
style='font-weight:normal; '><font face="Times New Roman">&nbsp;</font></i></p>
<p class=lhb align=left style='text-align:left;page-break-after:auto; '><i>
<p
style='font-weight:normal; '><font face="Times New Roman">This Current Report on Form 8-K may contain
&#147;forward-looking statements&#148; within the meaning of the Private Securities
Litigation Reform Act of 1995. These statements are based on the current
beliefs and expectations of the Corporation&#146;s management and are subject to
significant risks and uncertainties. Actual results may differ from those set
forth in the forward-looking statements. Factors that could cause the Corporation&#146;s
actual results to differ materially from those described in the forward-looking
statements can be found in the Corporation&#146;s Annual Reports on Form 10-K, which
have been filed with the Securities and Exchange Commission and are available
on the Corporation&#146;s website (www.myfirstfarmers.com) and on the Securities and
Exchange Commission&#146;s website (www.sec.gov). The Corporation does not undertake
to update the forward-looking statements to reflect the impact of circumstances
or events that may arise after the date of the forward-looking statements.</font></i></p>
<p class=MsoNormal style='text-align:justify; '>
<p style='font-size:10.0pt;font-family:"Times New Roman","serif";
letter-spacing:-.15pt; '>&nbsp;<p style='font-size:10.0pt;font-family:"Times New Roman","serif"; '>
<hr><p style="page-break-after:always"></p>
<p class=MsoNormal><b>
</b>
<p class=MsoNormal align=center style='text-align:center; '><b>
<p
style='letter-spacing:-.15pt; ' align="center"><font face="Times New Roman">SIGNATURES</font></b></p>
<p class=MsoNormal style='text-align:justify; '>
<p style='font-size:10.0pt;
letter-spacing:-.15pt; '>&nbsp;</p>
<p class=MsoNormal style='text-align:justify; '>
<p style='letter-spacing:-.15pt; '><font face="Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Pursuant to the requirements of the
Securities Exchange Act of 1934, the Registrant has duly caused this report to
be signed on its behalf by the undersigned hereunto duly authorized.</font></p>
<p class=MsoNormal style='text-align:justify; '>
<p style='font-size:10.0pt;
letter-spacing:-.15pt; '>&nbsp;</p>
<p class=MsoNormal style='text-align:justify; '>
<p style='font-size:10.0pt;
letter-spacing:-.15pt; '>&nbsp;</p>
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	<table border="0" width="50%" cellspacing="0" cellpadding="0">
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			<td>
<p class=MsoNormal>
			</td>
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			<td>
<p
style='letter-spacing:-.15pt; '><font face="Times New Roman"><b>FIRST
FARMERS AND MERCHANTS CORPORATION</b></font></p>
			</td>
		</tr>
		<tr>
			<td>
<p class=MsoNormal style='text-align:justify; '>
			</td>
		</tr>
		<tr>
			<td>
<p style='font-size:10.0pt;
letter-spacing:-.15pt; '>&nbsp;</p>
			</td>
		</tr>
		<tr>
			<td>
<p class=MsoNormal style='text-align:justify; '>
			</td>
		</tr>
		<tr>
			<td>
<p style='font-size:10.0pt;
letter-spacing:-.15pt; '>&nbsp;</p>
			</td>
		</tr>
		<tr>
			<td>
<p style='letter-spacing:-.15pt; '><font face="Times New Roman">By:&#160;&#160;
<u>/s/ PATRICIA P. BEARDEN&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </u></font></p>
			</td>
		</tr>
		<tr>
			<td><font face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Patricia P. Bearden</font></td>
		</tr>
		<tr>
			<td><font face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Treasurer</font></td>
		</tr>
	</table>
</div>
<p class=MsoNormal style='text-align:justify; '>
<p style='font-size:10.0pt;
letter-spacing:-.15pt; '>&nbsp;</p>
<p class=MsoNormal style='text-align:justify; '>
<p style='font-size:10.0pt;
letter-spacing:-.15pt; '>&nbsp;</p>
<p class=MsoNormal style='text-align:justify; '>
<p style='letter-spacing:-.15pt; '><font face="Times New Roman">Date:&#160; January 15, 2015</font></p>

</body>

</html>
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{"company-data": {"conformed-name": "FIRST FARMERS & MERCHANTS CORP", "cik": "0000703329", "assigned-sic": "6022", "irs-number": "621148660", "state-of-incorporation": "TN", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-10972", "film-number": "15530988"}, "business-address": {"street1": "816 S GARDEN ST", "city": "COLUMBIA", "state": "TN", "zip": "38402", "phone": "931-388-3145"}, "mail-address": {"street1": "816 S GARDEN ST", "city": "COLUMBIA", "state": "TN", "zip": "38402-1148"}}
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 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 jurisdiction
of incorporation)
(Commission File Number)
(IRS Employer Identification
  No.)
816 South Garden Street
Columbia, Tennessee
38402-1148
(Address of principal
  executive offices)
(Zip Code)
Registrant's telephone number,
including area code
(931) 388-3145
Check the appropriate box below if the Form 8-K filing
is intended to simultaneously satisfy the filing obligation of the registrant
under any of the following provisions:
¨
Written communications pursuant to Rule 425
under the Securities Act (17 CFR 230.425)
¨
Soliciting material pursuant to Rule 14a-12
under the Exchange Act (17 CFR 240.14a-12)
¨
Pre-commencement communications pursuant to Rule
14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
¨
Pre-commencement communications pursuant to Rule
13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
_______________________________________________________________________________________________
Section
4 – Matters Related to Accountants and Financial Statements
Item 4.02(a).        Non-Reliance on Previously
Issued Financial Statements or a Related Audit Report
or Completed Interim
Review.
The
principal business of First Farmers and Merchants Corporation (the
"Corporation") is conducted through its wholly owned subsidiary, First Farmers
and Merchants Bank (the "Bank"). On January 12, 2015, the Audit Committee of
the Bank's board of directors (the "Audit Committee") concluded, based on the
recommendation of the Corporation's management, that the Corporation's financial
statements at December 31, 2012 and 2013 (the "Financial Statements") included
in the Corporation's Annual Report on Form 10-K for the year ended December 31,
2013 filed with the Securities and Exchange Commission on March 5, 2014 (as
amended, the "2013 Form 10-K") should be restated to correct errors in
accounting for the Corporation's defined benefit post-retirement healthcare
plan and should therefore not be relied on. The Corporation intends to file an
Amendment No. 2 to the 2013 Form 10-K to correct the errors as soon as
reasonably practicable. The Amendment No. 2 to the 2013 Form 10-K may also
correct certain other immaterial errors in connection with the restatement.
The facts requiring the restatement of the
Financial Statements were identified by the Corporation's management in the
course of preparing the Corporation's financial statements for the year ended
December 31, 2014.
The Corporation's management and Audit
Committee have discussed the matter disclosed in this Current Report on Form
8-K with representatives of BKD, LLP, the independent registered public
accounting firm engaged by the Corporation to audit the consolidated financial
statements of the Corporation and its subsidiaries for the years ended December
31, 2012 and 2013.
This Current Report on Form 8-K may contain
"forward-looking statements" within the meaning of the Private Securities
Litigation Reform Act of 1995. These statements are based on the current
beliefs and expectations of the Corporation's management and are subject to
significant risks and uncertainties. Actual results may differ from those set
forth in the forward-looking statements. Factors that could cause the Corporation's
actual results to differ materially from those described in the forward-looking
statements can be found in the Corporation's Annual Reports on Form 10-K, which
have been filed with the Securities and Exchange Commission and are available
on the Corporation's website (www.myfirstfarmers.com) and on the Securities and
Exchange Commission's website (www.sec.gov). The Corporation does not undertake
to update the forward-looking statements to reflect the impact of circumstances
or events that may arise after the date of the forward-looking statements.
SIGNATURES
Pursuant to the requirements of the
Securities Exchange Act of 1934, the Registrant has duly caused this report to
be signed on its behalf by the undersigned hereunto duly authorized.
FIRST
FARMERS AND MERCHANTS CORPORATION
By:
/s/ PATRICIA P. BEARDEN
Patricia P. Bearden
Treasurer
Date:  January 15, 2015