Exhibit 32.1


                  CERTIFICATION OF PRESIDENT AND CHIEF EXECUTIVE OFFICER,
                     SENIOR VICE PRESIDENT AND CHIEF FINANCIAL OFFICER

     Pursuant to ss. 906 of the Sarbanes-Oxley Act of 2002 (18 USC ss. 1350)

      The undersigned, as the President and Chief Executive Officer, Senior Vice
President and 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, 2004, 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/  DEAN W. WITHERS
                                          ------------------------
                                          Dean W. Withers
                                          President and Chief
                                             Executive Officer

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

      Date:  August 13, 2004