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 Quarterly  Report on Form 10-Q for the quarter ended
March 31, 2005 (the "Report") of FMS Financial  Corporation  (the  "Company") as
filed with the Securities and Exchange Commission, 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.  Section  1350,  as adopted
pursuant to Section 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)




Date: May 12, 2005                           Date: May 12, 2005