Exhibit 32


          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 U.S.C. ss. 1350)

      The undersigned, as the President and Chief Executive Officer and 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 September 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


May 12, 2006