<ARTICLE>                      9
<LEGEND>

THIS SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM F & M
BANK CORP.  FROM 10K AND IS  QUALIFIED  IN ITS  ENTIRETY BY  REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<CIK>                               0000740806
<NAME>                              F & M BANK CORP.
<MULTIPLIER>                                                      1,000

                             
<PERIOD-TYPE>                  YEAR
<FISCAL-YEAR-END>                    DEC-31-2000
<PERIOD-START>                       JAN-01-2000
<PERIOD-END>                         DEC-31-2000
<CASH>                                     3,808
<INT-BEARING-DEPOSITS>                       312
<FED-FUNDS-SOLD>                             909
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>               38,680
<INVESTMENTS-CARRYING>                     2,886
<INVESTMENTS-MARKET>                       2,860
<LOANS>                                  152,035
<ALLOWANCE>                                1,108
<TOTAL-ASSETS>                           208,818
<DEPOSITS>                               152,354
<SHORT-TERM>                               8,698
<LIABILITIES-OTHER>                        4,181
<LONG-TERM>                               16,386
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                  12,167
<OTHER-SE>                                15,031
<TOTAL-LIABILITIES-AND-EQUITY>           208,818
<INTEREST-LOAN>                           12,921
<INTEREST-INVEST>                          1,980
<INTEREST-OTHER>                             608
<INTEREST-TOTAL>                          15,509
<INTEREST-DEPOSIT>                         5,975
<INTEREST-EXPENSE>                         7,411
<INTEREST-INCOME-NET>                      8,098
<LOAN-LOSSES>                                123
<SECURITIES-GAINS>                           770
<EXPENSE-OTHER>                            4,653
<INCOME-PRETAX>                            5,130
<INCOME-PRE-EXTRAORDINARY>                 3,644
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                               3,644
<EPS-BASIC>                                 1.49
<EPS-DILUTED>                               1.49
<YIELD-ACTUAL>                              4.32
<LOANS-NON>                                  664
<LOANS-PAST>                                 421
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                            1,268
<ALLOWANCE-OPEN>                           1,090
<CHARGE-OFFS>                                148
<RECOVERIES>                                  43
<ALLOWANCE-CLOSE>                          1,108
<ALLOWANCE-DOMESTIC>                       1,108
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0