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Exhibit 31.2

                                  CERTIFICATION
                             CHIEF FINANCIAL OFFICER
                 Pursuant to section 302 of the Sarbanes-Oxley Act of 2002
                     (Chapter 63, Title 18 USC Section 1350 (A) and (B)

I, Neil W. Hayslett, certify that:

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

     2. Based on my knowledge, this 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
     report;

     3. Based on my knowledge, the financial statements, and other financial
     information included in this 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 report;

     4. The registrant's other certifying officer 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 report is being
     prepared;

        (b) evaluated the effectiveness of the registrant's disclosure controls
     and procedures and presented in this 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 as of a
     date within 90 days prior to the filing date of this quarterly report (the
     "Evaluation Date"); and

        (c) disclosed in this report any change in the registrant's internal
     control over financial reporting that occurred during the registrant's most
     recent fiscal quarter (the registrant's fourth fiscal quarter in the case
     of an annual report) 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 officers 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 the registrant's
     board of directors (or persons performing the equivalent function):

        (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
     controls over financial reporting.



Date: March 25, 2004
                                           /s/ Neil W. Hayslett
                                           -------------------------------
                                           Neil W. Hayslett
                                           Senior Vice President and Chief
                                           Financial Officer

         A signed original of this written statement required by Section 302 of
         the Sarbanes-Oxley Act of 2002 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.