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<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> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 3,917
<INT-BEARING-DEPOSITS> 808
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 38,707
<INVESTMENTS-CARRYING> 4,257
<INVESTMENTS-MARKET> 4,169
<LOANS> 147,090
<ALLOWANCE> (1,136)
<TOTAL-ASSETS> 204,339
<DEPOSITS> 147,650
<SHORT-TERM> 9,308
<LIABILITIES-OTHER> 4,518
<LONG-TERM> 16,967
0
0
<COMMON> 12,230
<OTHER-SE> 13,666
<TOTAL-LIABILITIES-AND-EQUITY> 204,339
<INTEREST-LOAN> 6,282
<INTEREST-INVEST> 1,253
<INTEREST-OTHER> 45
<INTEREST-TOTAL> 7,580
<INTEREST-DEPOSIT> 2,755
<INTEREST-EXPENSE> 3,449
<INTEREST-INCOME-NET> 4,131
<LOAN-LOSSES> 59
<SECURITIES-GAINS> 771
<EXPENSE-OTHER> 2,300
<INCOME-PRETAX> 3,168
<INCOME-PRE-EXTRAORDINARY> 2,219
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,219
<EPS-BASIC> .90
<EPS-DILUTED> .90
<YIELD-ACTUAL> 4.54
<LOANS-NON> 688
<LOANS-PAST> 920
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,090
<CHARGE-OFFS> 34
<RECOVERIES> 21
<ALLOWANCE-CLOSE> 1,136
<ALLOWANCE-DOMESTIC> 1,136
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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