Exhibit 99.2

                                  CERTIFICATION


I, Neil W. Hayslett, Senior Vice President & Chief Financial Officer of F & M
Bank Corp., certify that:

1.    I have reviewed this quarterly report on Form 10-Q of F & M Bank Corp;

2.    Based on my knowledge, this quarterly report does not contain any
      untrue statement of a material fact or omit to state a material fact
      necessary to make the statements made, in light of the circumstances under
      which such statements were made, not misleading with respect to the period
      covered by this quarterly report;


3.    Based on my knowledge, the financial statements, and other financial
      information included in this quarterly report, fairly present in all
      material respects the financial condition, results of operations and cash
      flows of the registrant as of, and for, the periods presented in this
      quarterly report;


4.    The registrant's other certifying officers and I are responsible for
      establishing and maintaining disclosure controls and procedures (as
      defined in Exchange Act Rules  13a-15(e) and 15d-15(e)) for the
      registrant and have:


      a)    Designed such disclosure controls and procedures, or caused
            such disclosure controls and procedures to be designed under our
            supervision, to ensure that material information relating to the
            registrant, including its consolidated subsidiaries, is made known
            to us by others within those entities, particularly during the
            period in which this quarterly report is being prepared;


      b)    Evaluated the  effectiveness of the registrant's
            disclosure controls and procedures and presented in this quarterly
            report our conclusions  about the  effectiveness of the
            disclosure controls and procedures, as of the end of the period
            covered by this report based on such evaluation; and


      c)    Disclosed in this quarterly report any change in the
            registrant's internal control over financial reporting that occurred
            during the registrant's most recent fiscal quarter that has
            materially affected, or is reasonably likely to materially affect,
            the registrant's internal control over financial reporting; and


5.    The registrant's other certifying officer and I have disclosed, based
      on our most recent evaluation of internal control over financial
      reporting, to the registrant's auditors and the audit committee of
      registrant's board of directors (or persons performing the equivalent
      functions):


      a)    All significant deficiencies and material weaknesses in the
            design or operation of internal control over financial reporting
            which are reasonably likely to adversely affect the registrant's
            ability to record, process,  summarize and report financial
            information; and


      b)    Any fraud, whether or not material, that involves management or
            other employees who have a significant role in the registrant's
            internal control over financial reporting.




Date:  August 13, 2003                     /s/ NEIL W. HAYSLETT
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                                          Neil W. Hayslett
                                          Senior Vice President & Chief
                                          Financial Officer