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Exhibit 99.0
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PROXY
COMMUNITY BANKSHARES OF MARYLAND, INC.
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 Community Bankshares of Maryland, Inc. ("Community
Bankshares") to be held at ______________________________ located at
_____________________, _____________, Maryland at _:__ _.m. on ___________ __,
____ and at any adjournment thereof, and to vote all shares of stock of
Community Bankshares 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 August 23,
2000, and a related Plan of Merger, between F&M National Corporation
("F&M") and Community Bankshares, providing for the merger of Community
Bankshares with F&M upon the terms and conditions set forth in the
affiliation agreement as described in the proxy statement/prospectus of
Community Bankshares 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: ________________________________
________________________________
________________________________
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.
