CERTIFICATION PURSUANT TO
                               18 U.S.C. ss.1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002



     In  connection  with the Annual Report of FMS  Financial  Corporation  (the
"Company") on Form 10-K for the year ending  December 31, 2002 as filed with the
Securities and Exchange Commission on the date hereof (the "Report"),  we, Craig
W. Yates,  President and Chief Executive  Officer,  and Channing L. Smith,  Vice
President and Chief Financial Officer,  certify,  pursuant to 18 U.S.C. ss.1350,
as adopted pursuant to ss.906 of the Sarbanes-Oxley Act of 2002, that:

     (1) The Report fully complies with the requirements of Section 13(a) 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.






                                       
/s/Craig W. Yates                           /s/Channing L. Smith
- -----------------                           --------------------
Craig W. Yates                              Channing L. Smith
President and Chief Executive Officer       Vice President and Chief Financial Officer
(Principal Executive Officer)               (Principal Financial and Accounting Officer)



Date:  March 24, 2003                      Date:  March 24, 2003