Exhibit 23 - Consent of Certified Public Accountant













To the Shareholders and Board of Directors
F & M Bank Corp.


    We consent to the use of our report, dated January 31, 2003, relating to the
consolidated balance sheets of F & M Bank Corp. as of December 31, 2002 and
2001, and the related consolidated statements of income, changes in
stockholders' equity, and cash flows for each of the years in the three-year
period ended December 31, 2002, which report appears on Page 43 in the December
31, 2002 Annual Report on Form 10-K of F & M Bank Corp.


                                       /s/ S.B HOOVER & COMPANY, L.L.P.




Harrisonburg, VA
March 26, 2003