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): August 14, 2002



                               F & M BANK CORP.
            (Exact name of registrant as specified in its charter)


   Virginia                               0-13273                  54-1280811
(State or other jurisdiction of   (Commission File Number)      (I.R.S. Employer
incorporation or organization)                               Identification No.)


                                 P. O. Box 1111
                         Timberville, Virginia 22853
                   (Address of principal executive offices)



Registrant's telephone number, including area code (540) 896-8941


                                Not Applicable
               (Former address of principal executive offices)




 2



Item 9   Officer Certification




    Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 (18 U.S.C.
        Section 1350)


      The undersigned, as the President and Chief Executive Officer and Vice
President and Chief Financial Officer, respectively, of F & M Bank Corp.,
certify that the Quarterly Report on Form 10-Q for the period ended June 30,
2002 fully complies with the requirements of Section 13(a) or 15(d), as
applicable, of the Securities Exchange Act of 1934 and the information contained
in the periodic report fairly presents, in all material respects, the financial
condition and results of operations of F & M Bank Corp. at the dates and for the
periods indicated. The foregoing certification is made pursuant to Section 906
of the Sarbanes-Oxley Act of 2002 (18 U.S.C. Section 1350) and no purchaser or
seller of securities or any other person shall be entitled to rely upon the
foregoing certification for any purpose. The undersigned expressly disclaim
any obligation to update the foregoing certification except as required by law.




                                 /s/ JULIAN D. FISHER
                                 ------------------------------------
                                 Julian D. Fisher
                                 President and Chief Executive Officer


                                 /s/ NEIL W. HAYSLETT
                                 ------------------------------------
                                 Neil W. Hayslett
                                 Vice President and Chief Financial Officer


August 14, 2002