1



Exhibit 32.1

            Certification Pursuant to 18 U.S.C. Section 1350 as Adopted
             Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

In connection with the Annual Report of F & M Bank Corp. (the "Company") on Form
10-K for the period ending December 31, 2003 as filed with the Securities and
Exchange Commission on the date hereof (the "Report"), the undersigned Chief
Executive Officer and Chief Financial Officer of the Company hereby certify,
pursuant to 18 U.S.C. ss.1350, as adopted pursuant to ss.906 of the
Sarbanes-Oxley Act of 2002 that based on their knowledge and belief: 1) the
Report fully complies with the requirements of Section 13(a) or 15(d) of the
Securities Exchange Act of 1934, and 2) the information contained in the Report
fairly presents, in all material respects, the financial condition and results
of operations of the Company as of and for the periods covered in the Report.


/s/ Julian D. Fisher
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Julian D. Fisher

President & Chief Executive Officer

March 25, 2004



/s/ Neil W. Hayslett
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Neil W. Hayslett

Senior Vice President & Chief Financial Officer

March 25, 2004