<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>                   6-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-START>                                 JAN-01-2000
<PERIOD-END>                                   JUN-30-2000
<CASH>                                         3,917
<INT-BEARING-DEPOSITS>                           808
<FED-FUNDS-SOLD>                                   0
<TRADING-ASSETS>                                   0
<INVESTMENTS-HELD-FOR-SALE>                   38,707
<INVESTMENTS-CARRYING>                         4,257
<INVESTMENTS-MARKET>                           4,169
<LOANS>                                      147,090
<ALLOWANCE>                                   (1,136)
<TOTAL-ASSETS>                               204,339
<DEPOSITS>                                   147,650
<SHORT-TERM>                                   9,308
<LIABILITIES-OTHER>                            4,518
<LONG-TERM>                                   16,967
<PREFERRED-MANDATORY>                              0
<PREFERRED>                                        0
<COMMON>                                      12,230
<OTHER-SE>                                    13,666
<TOTAL-LIABILITIES-AND-EQUITY>               204,339
<INTEREST-LOAN>                                6,282
<INTEREST-INVEST>                              1,253
<INTEREST-OTHER>                                  45
<INTEREST-TOTAL>                               7,580
<INTEREST-DEPOSIT>                             2,755
<INTEREST-EXPENSE>                             3,449
<INTEREST-INCOME-NET>                          4,131
<LOAN-LOSSES>                                     59
<SECURITIES-GAINS>                               771
<EXPENSE-OTHER>                                2,300
<INCOME-PRETAX>                                3,168
<INCOME-PRE-EXTRAORDINARY>                     2,219
<EXTRAORDINARY>                                    0
<CHANGES>                                          0
<NET-INCOME>                                   2,219
<EPS-BASIC>                                      .90
<EPS-DILUTED>                                    .90
<YIELD-ACTUAL>                                  4.54
<LOANS-NON>                                      688
<LOANS-PAST>                                     920
<LOANS-TROUBLED>                                   0
<LOANS-PROBLEM>                                    0
<ALLOWANCE-OPEN>                               1,090
<CHARGE-OFFS>                                     34
<RECOVERIES>                                      21
<ALLOWANCE-CLOSE>                              1,136
<ALLOWANCE-DOMESTIC>                           1,136
<ALLOWANCE-FOREIGN>                                0
<ALLOWANCE-UNALLOCATED>                            0