Exhibit 99.3



                   CERTIFICATION OF CHIEF EXECUTIVE OFFICER
                           AND CHIEF FINANCIAL OFFICER

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

      The undersigned, as the President & Chief Executive Officer and Senior
Vice President & Chief Financial Officer of F & M Bank Corp., respectively,
certify that, to the best of each such individual's knowledge and belief, the
Quarterly Report on Form 10-Q for the period ended June 30, 2003, which
accompanies this certification fully complies with the requirements of Section
13(a) 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 ss. 906 of
the Sarbanes-Oxley Act of 2002 (18 U.S.C. ss. 1350) and shall not be relied upon
for any other purpose. The undersigned expressly disclaims any obligation to
update the foregoing certification except as required by law.





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


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


Date:  August 13, 2003


A signed original of this written statement required by Section 906, or other
document authenticating, acknowledging, or otherwise adopting the signature that
appears in typed form within the electronic version of this written statement
required by Section 906, has been provided to F & M Bank Corp. and will be
retained by F & M Bank Corp. and furnished to the Securities and Exchange
Commission or its staff upon request.