EXHIBIT 31.2

                                 CERTIFICATIONS

I, Barbara J. Britenriker, Executive Vice-President and CFO of Farmers &
Merchants Bancorp, Inc., certify that:

      1    I have reviewed this quarterly report on Form 10-Q of Farmers &
           Merchants Bancorp, Inc.;

      2    Based on my knowledge, this report does not contain any untrue
           statement of a material fact or omit to state a material fact
           necessary to make the statements made, in light of the
           circumstances under which such statements were made, not
           misleading with respect to the period covered by this report;

      3    Based on my knowledge, the financial statements, and other
           financial information included in this quarterly report, fairly
           present in all material respects the financial condition, results
           of operations and cash flows of the registrant as of, and for, the
           periods presented in this report;

      4    The registrant's other certifying officer(s) and I are responsible
           for establishing and maintaining disclosure controls and
           procedures (as defined in Exchange Act Rules 13a-15(e) and
           15d-(e)) for the registrant and have:

           a.    Designed such disclosure controls and procedures, or caused
                 such disclosure controls and procedures to be designed under
                 our supervision, to ensure that material information
                 relating to the registrant, including its consolidated
                 subsidiaries is made known to us by others within those
                 entities, particularly during the period in which this
                 report is being prepared;

           b.    [This paragraph intentionally left blank.]

           c.    Evaluated the effectiveness of the registrant's disclosure
                 controls and procedures and presented in this report our
                 conclusions about the effectiveness of the disclosure
                 controls and procedures, as of the end of the period
                 covered by this report based on such evaluation; and

           d.    Disclosed in this report any change in the registrant's
                 internal control over financial reporting that occurred
                 during the registrant's most recent fiscal quarter (the
                 registrant's fourth fiscal quarter in the case of an annual
                 report) that has materially affected, or is reasonably
                 likely to materially affect the registrant's internal
                 control over financial reporting; and

      5    The registrant's other certifying officer(s) and I have disclosed,
           based on our most recent evaluation of internal control over
           financial reporting, to the registrant's auditors and the audit
           committee of registrant's board of directors (or persons
           performing the equivalent functions):

           a.    All significant deficiencies and material weaknesses in the
                 design or operation of internal controls over financial
                 reporting which are reasonably likely to adversely affect
                 the registrant's ability to record, process, summarize and
                 report financial information; and

           b.    Any fraud, whether or not material, that involves management
                 or other employees who have significant role in the
                 registrant's internal control over financial reporting.


Date:  October 29, 2004                         /s/ Barbara J. Britenriker
                                                --------------------------
                                                Barbara J Britenriker
                                                Executive Vice President and
                                                Chief Financial Officer