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Exhibit 99.0
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PROXY
ATLANTIC FINANCIAL CORP
THIS PROXY IS SOLICITED ON BEHALF OF THE BOARD OF DIRECTORS
The undersigned hereby appoints _________________________ and
____________________, or either of them and with full power of substitution, his
or her attorney-in-fact and proxy, to represent the undersigned at the Special
Meeting of Shareholders of Atlantic Financial Corp to be held at
______________________________ located at _____________________, _____________,
Virginia at _:_ _.m. on ___________ __, 2000 and at any adjournment thereof,
and to vote all shares of stock of Atlantic Financial Corp that the undersigned
shall be entitled to vote at such meeting on each of the following matters:
1. To approve an Agreement and Plan of Reorganization, dated as of July 5,
2000, and a related Plan of Merger, by and between F&M National Corporation
and Atlantic Financial Corp, providing for the merger of Atlantic Financial
Corp with F&M upon the terms and conditions set forth in the affiliation
agreement as described in the proxy statement/prospectus of Atlantic
Financial Corp and F&M dated ______________, 2000.
FOR [_] AGAINST [_] ABSTAIN [_]
(has the same effect as a
vote Against)
2. In their discretion, the proxies are authorized to vote upon such other
business as may properly come before the meeting.
This proxy, when properly signed and dated, will be voted in the manner
directed herein. If no direction is made, this proxy will be voted FOR proposal
number 1 as specified above. This proxy may be revoked at any time prior to its
exercise.
Dated:_________________________, 2000
___________________________
___________________________
Please sign exactly as name
appears on the stock
certificate. When signing as
attorney, executor,
administrator or trustee,
please give full title.
Please mark, sign, date and return promptly this proxy card using the enclosed
envelope.
