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 on Form 10-K for the year ended
December 31, 2003 (the "Report") of FMS Financial Corporation (the "Company") as
filed with the Securities and Exchange  Commission on the date hereof, 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 Financial and Accounting Officer)




March 25, 2004