<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from F & M
Bank Corp., Form 10Q and is qualified in its entirety by reference to such
financial statements.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 3,871
<INT-BEARING-DEPOSITS> 263
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 39,431
<INVESTMENTS-CARRYING> 4,132
<INVESTMENTS-MARKET> 4,068
<LOANS> 149,817
<ALLOWANCE> (1,148)
<TOTAL-ASSETS> 206,936
<DEPOSITS> 148,826
<SHORT-TERM> 11,217
<LIABILITIES-OTHER> 4,032
<LONG-TERM> 16,134
0
0
<COMMON> 12,176
<OTHER-SE> 14,551
<TOTAL-LIABILITIES-AND-EQUITY> 206,936
<INTEREST-LOAN> 9,566
<INTEREST-INVEST> 1,886
<INTEREST-OTHER> 50
<INTEREST-TOTAL> 11,502
<INTEREST-DEPOSIT> 4,330
<INTEREST-EXPENSE> 5,396
<INTEREST-INCOME-NET> 6,106
<LOAN-LOSSES> 89
<SECURITIES-GAINS> 771
<EXPENSE-OTHER> 3,496
<INCOME-PRETAX> 4,098
<INCOME-PRE-EXTRAORDINARY> 2,957
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,957
<EPS-BASIC> 1.21
<EPS-DILUTED> 1.21
<YIELD-ACTUAL> 4.44
<LOANS-NON> 688
<LOANS-PAST> 658
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,090
<CHARGE-OFFS> 62
<RECOVERIES> 31
<ALLOWANCE-CLOSE> 1,148
<ALLOWANCE-DOMESTIC> 1,148
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>