F&M BANCORP
July 12, 1996
Securities and Exchange Commission 450 - 5th Street, N.W.
Washington, D.C. 20549
Attention: Mr. Edsel Jay Guydon
Re: F&M Bancorp:Registration Statement on Form S-4 (File No. 333-4967)
Ladies and Gentlemen:
Pursuant to Rule 461 under the Securities Act of 1933, as amended (the
"Act") the undersigned hereby requests that the effective date and time of the
above-captioned Registration Statement be accelerated by the Securities and
Exchange Commission to 9:00 a.m. on July 16, 1996, or as soon thereafter as may
be practicable.
We understand that this written request for acceleration of the
effective date of the Registration Statement confirms that the undersigned is
aware of its responsibilities under the Act as they relate to the proposed
offering of the securities registered pursuant to the Registration Statement.
Very truly yours,
/s/ Charles W. Hoff, III
------------------------
Charles W. Hoff, III
Chairman of the Board
110 Thomas Johnson Drive
P.O. Box 518
Frederick, MD 21701
(301) 694-4000
