UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D. C. 20549
FORM 10-QSB/A
[X] Quarterly report pursuant to Section 13 or 15(d) of the Securities
Exchange Act of 1934 for the quarterly period ended March 31, 1995.
[ ] Transition report pursuant to Section 13 or 15(d) of the Securities
Exchange of 1934 for the transition period from to
Commission File Number: 0-13273
F & M Bank Corp.
Virginia 54-1280811
Drawer F, Timberville, Virginia 22853
(703) 896-8941
Indicate by check mark whether the registrant (1) filed all reports
required to be filed by Section 13 or 15(d) of the Securities Exchange Act
of 1934 during the past 12 months (or for such shorter period that the
registrant was required to file such reports), and (2) has been subject to
such filing requirement for the past 90 days. Yes ..X. No ....
State the number of shares outstanding of each of the issuer's classes
of common equity, as of the latest practicable date.
Class Outstanding at March 31, 1995
Common Stock, par value - $5 814,288 shares
Signature
Pursuant to the requirements of the Securities Exchange Act of 1934,
the Registrant has duly caused this report to be signed on its behalf by
the undersigned thereunto duly authorized.
F & M BANK CORP.
DAN B. TODD
Dan B. Todd
Chairman of the Board and Principal Financial Officer
RALPH C. FOLTZ, JR.
Ralph C. Foltz, Jr.
Controller and Chief Accounting Officer
Date June 28, 1995
EXHIBIT INDEX
Exhibit
Index
27 Financial Data Schedule for the quarter ending March 31, 1995
<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from F&M Bank
Corp. Form 10QSB and is qualified in its entirety by reference to such
financial statements.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 3-MOS
<FISCAL-YEAR-END> DEC-31-1995
<PERIOD-END> MAR-31-1995
<CASH> $ 2,455
<INT-BEARING-DEPOSITS> $ 586
<FED-FUNDS-SOLD> $ 2,080
<TRADING-ASSETS> $ 0
<INVESTMENTS-HELD-FOR-SALE> $ 9,698
<INVESTMENTS-CARRYING> $ 31,370
<INVESTMENTS-MARKET> $ 30,800
<LOANS> $ 85,469
<ALLOWANCE> $ (756)
<TOTAL-ASSETS> $ 134,596
<DEPOSITS> $ 99,455
<SHORT-TERM> $ 78
<LIABILITIES-OTHER> $ 1,073
<LONG-TERM> $ 18,447
<COMMON> $ 4,071
$ 0
$ 0
<OTHER-SE> $ 11,472
<TOTAL-LIABILITIES-AND-EQUITY> $ 134,596
<INTEREST-LOAN> $ 1,927
<INTEREST-INVEST> $ 600
<INTEREST-OTHER> $ 10
<INTEREST-TOTAL> $ 2,537
<INTEREST-DEPOSIT> $ 912
<INTEREST-EXPENSE> $ 1,199
<INTEREST-INCOME-NET> $ 1,338
<LOAN-LOSSES> $ 16
<SECURITIES-GAINS> $ 152
<EXPENSE-OTHER> $ 838
<INCOME-PRETAX> $ 734
<INCOME-PRE-EXTRAORDINARY> $ 518
<EXTRAORDINARY> $ 0
<CHANGES> $ 0
<NET-INCOME> $ 518
<EPS-PRIMARY> $ .64
<EPS-DILUTED> $ .64
<YIELD-ACTUAL> 4.40
<LOANS-NON> $ 0
<LOANS-PAST> $ 386
<LOANS-TROUBLED> $ 0
<LOANS-PROBLEM> $ 0
<ALLOWANCE-OPEN> $ 744
<CHARGE-OFFS> $ 6
<RECOVERIES> $ 2
<ALLOWANCE-CLOSE> $ 744
<ALLOWANCE-DOMESTIC> $ 744
<ALLOWANCE-FOREIGN> $ 0
<ALLOWANCE-UNALLOCATED> $ 0
</TABLE>
