F&M BANK CORP
8-K, 1998-04-20
STATE COMMERCIAL BANKS
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                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549
                                   -----------


                                    FORM 8-K


                                 CURRENT REPORT


                     Pursuant to Section 13 or 15(d) of the
                         Securities Exchange Act of 1934


                         Date of Report: April 13, 1998
                        (Date of earliest event reported)



                                F & M BANK CORP.
             (Exact Name of Registrant as Specified in its Charter)



          Virginia                       0-13273                  54-1280811
(State or Other Jurisdiction     (Commission File Number)       (IRS Employer
      of Incorporation)                                      Identification No.)

                 P.O. Box 1111
             Timberville, Virginia                         22853
    (Address of Principal Executive Offices)            (Zip Code)



               Registrant's telephone number, including area code:
                                 (540) 896-8941



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<PAGE>

Item 5.      Other Events.

         The press  release  issued  by the  Registrant  on April  13,  1998 and
attached hereto as Exhibit 99 is incorporated herein by reference.


Item 7.      Financial Statements, Pro Forma Financial Information and Exhibits.

      (c)    Exhibits.

             99    Press release issued by the Registrant on April 13, 1998.





                                      -2-
<PAGE>

                                   SIGNATURES

         Pursuant to the requirements of the Securities Exchange Act of 1934, as
amended,  the  Registrant has duly caused this report to be signed on its behalf
by the undersigned hereunto duly authorized.


                                       F & M BANK CORP.
                                           (Registrant)



Date:  April 13, 1998                  By: /s/ Julian D. Fisher
                                           ----------------------------
                                           Julian D. Fisher
                                           President and Chief Executive Officer





<PAGE>


                                  Exhibit Index

Number            Document
- ------            --------

99         Press release issued by the Registrant on April 13, 1998.







                                                                      Exhibit 99



                                F & M BANK CORP.
                                 Timberville, VA

FOR IMMEDIATE RELEASE                                  Contact: Julian D. Fisher
April 13, 1998                                                    (540) 896-8941

                    F & M Bank Corp. Announces Cash Dividend

         TIMBERVILLE, VA - F & M Bank Corp. (OTCBB: FMBM) has announced that the
Company's  Board of Directors has declared a 90-cent per share dividend  payable
on May 5, 1998 to shareholders of record as of April 24, 1998.
         This  special  dividend  was  declared  in  celebration  of their  90th
anniversary. The announcement was made at their annual meeting Saturday night at
McGaheysville.  The  special  dividend  will be mailed  along  with the  regular
quarterly dividend of 29 cents per share on May 5, 1998.
         F & M Bank Corp., headquartered in Timberville, Virginia is the holding
company for  Farmers & Merchants  Bank.  Farmers & Merchants  Bank,  which began
operations  in 1908,  has five  offices in  Timberville,  Elkton,  Broadway  and
Bridgewater Virginia.




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