<ARTICLE>                                            9
<LEGEND>
     This schedule contains summary financial information extracted from F & M
Bank Corp., Form 10Q and is qualified in its entirety by reference to such
financial statements.
</LEGEND>
<MULTIPLIER>                                    1,000

                             
<PERIOD-TYPE>                    3-MOS
<FISCAL-YEAR-END>                               DEC-31-2000
<PERIOD-START>                                  JAN-01-2000
<PERIOD-END>                                    MAR-31-2000
<CASH>                                          3,092
<INT-BEARING-DEPOSITS>                          1,309
<FED-FUNDS-SOLD>                                   99
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                    38,717
<INVESTMENTS-CARRYING>                          4,270
<INVESTMENTS-MARKET>                            4,173
<LOANS>                                       144,429
<ALLOWANCE>                                    (1,127)
<TOTAL-ASSETS>                                201,187
<DEPOSITS>                                    146,964
<SHORT-TERM>                                    6,089
<LIABILITIES-OTHER>                             4,603
<LONG-TERM>                                    17,715
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                       12,267
<OTHER-SE>                                     13,549
<TOTAL-LIABILITIES-AND-EQUITY>                201,187
<INTEREST-LOAN>                                 3,089
<INTEREST-INVEST>                                 604
<INTEREST-OTHER>                                   30
<INTEREST-TOTAL>                                3,723
<INTEREST-DEPOSIT>                              1,345
<INTEREST-EXPENSE>                              1,675
<INTEREST-INCOME-NET>                           2,048
<LOAN-LOSSES>                                      29
<SECURITIES-GAINS>                                771
<EXPENSE-OTHER>                                 1,136
<INCOME-PRETAX>                                 1,913
<INCOME-PRE-EXTRAORDINARY>                      1,306
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                    1,306
<EPS-BASIC>                                       .53
<EPS-DILUTED>                                     .53
<YIELD-ACTUAL>                                   4.55
<LOANS-NON>                                         0
<LOANS-PAST>                                    1,477
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                1,090
<CHARGE-OFFS>                                       7
<RECOVERIES>                                       15
<ALLOWANCE-CLOSE>                               1,127
<ALLOWANCE-DOMESTIC>                            1,127
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0