Exhibit 32.2

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

                        FARMERS & MERCHANTS BANCORP, INC

In connection with the Annual Report on Form 10-K of Farmers & Merchants
Bancorp, Inc. for the year ended December 31, 2004, as filed with the Securities
and Exchange Commission (the "Report"), I, Barbara J. Britenriker, Chief
Financial Officer, of the Company, certify, pursuant to 18 U.S.C. 1350, as added
by 906 of the Sarbanes-Oxley Act of 2002, that:

            1.    The Report fully complies with the requirement of Section
                  13(a) or 15(d) 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.

            Date: February 17, 2005

                                                   /s/ Barbara Britenriker
                                                   --------------------------
                                                   Barbara Britenriker
                                                   Chief Financial Officer