<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>                   9-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-START>                                 JAN-01-2000
<PERIOD-END>                                   SEP-30-2000
<CASH>                                         3,871
<INT-BEARING-DEPOSITS>                           263
<FED-FUNDS-SOLD>                                   0
<TRADING-ASSETS>                                   0
<INVESTMENTS-HELD-FOR-SALE>                   39,431
<INVESTMENTS-CARRYING>                         4,132
<INVESTMENTS-MARKET>                           4,068
<LOANS>                                      149,817
<ALLOWANCE>                                   (1,148)
<TOTAL-ASSETS>                               206,936
<DEPOSITS>                                   148,826
<SHORT-TERM>                                  11,217
<LIABILITIES-OTHER>                            4,032
<LONG-TERM>                                   16,134
<PREFERRED-MANDATORY>                              0
<PREFERRED>                                        0
<COMMON>                                      12,176
<OTHER-SE>                                    14,551
<TOTAL-LIABILITIES-AND-EQUITY>               206,936
<INTEREST-LOAN>                                9,566
<INTEREST-INVEST>                              1,886
<INTEREST-OTHER>                                  50
<INTEREST-TOTAL>                              11,502
<INTEREST-DEPOSIT>                             4,330
<INTEREST-EXPENSE>                             5,396
<INTEREST-INCOME-NET>                          6,106
<LOAN-LOSSES>                                     89
<SECURITIES-GAINS>                               771
<EXPENSE-OTHER>                                3,496
<INCOME-PRETAX>                                4,098
<INCOME-PRE-EXTRAORDINARY>                     2,957
<EXTRAORDINARY>                                    0
<CHANGES>                                          0
<NET-INCOME>                                   2,957
<EPS-BASIC>                                     1.21
<EPS-DILUTED>                                   1.21
<YIELD-ACTUAL>                                  4.44
<LOANS-NON>                                      688
<LOANS-PAST>                                     658
<LOANS-TROUBLED>                                   0
<LOANS-PROBLEM>                                    0
<ALLOWANCE-OPEN>                               1,090
<CHARGE-OFFS>                                     62
<RECOVERIES>                                      31
<ALLOWANCE-CLOSE>                              1,148
<ALLOWANCE-DOMESTIC>                           1,148
<ALLOWANCE-FOREIGN>                                0
<ALLOWANCE-UNALLOCATED>                            0