F&M BANK CORP
8-K, 2000-11-28
STATE COMMERCIAL BANKS
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                                UNITED STATES
                      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 (Date of earliest event reported)
                              September 14, 2000


                               F & M Bank Corp.
            (Exact Name of Registrant as Specified in Its Charter)




          Virginia                    0-13273                 54-1280811
      (State or other         (Commission File Number)     (I.R.S. Employer
      jurisdiction of                                     Identification No.)
      incorporation or
       organization)


                          _________________________
                                 P O Box 1111
                            205 South Main Street
                         Timberville, Virginia 22853
                   (Address of principal executive offices)
                       (Registrant's telephone number,
                     including area code): (540-896-8941)


                          _________________________

        (Former name or former address, if changed since last report)


<PAGE> 1

Item 5.  Other Events

(a)   As explained in the attached press release,  F & M Bank Corp.  announced
      on  September  19,  2000 that they have  entered  into an  agreement  to
      purchase the First Union National Bank branches  located in Edinburg and
      Woodstock,  Virginia.  The  agreement  is  subject to  approval  by bank
      regulators  and  other  standard  conditions  for  transactions  of this
      nature.  F  &  M  Bank  Corp.  anticipate  closing  the  transaction  in
      February of 2001.
 .



                                  SIGNATURES

      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 hereunto duly authorized.

                                    F & M Bank Corp.,
                                    REGISTRANT



                                    By: JULIAN D. FISHER
                                        Julian D. Fisher
                                        President and Chief Executive Officer



Date:  November 17, 2000


<PAGE> 2


September 19, 2000


       Farmers & Merchants Bank agrees to acquire First Union Branches

Farmers & Merchants Bank has reached an agreement with First Union National
Bank to acquire two of its branches in Shenandoah County.

The companies have signed an agreement in which Farmers & Merchants will
purchase the loans and assume the deposits of First Union's branches in
Edinburg, & Woodstock, Virginia. The transition of those accounts to Farmers
& Merchants is expected to take place in the first quarter of 2001.

"These acquisitions allow Farmers & Merchants Bank to strengthen its presence
in the northern Shenandoah Valley communities," said Julian Fisher, President
& CEO of Farmers & Merchants Bank.  "We have an excellent opportunity here to
bring our customer service-oriented brand of banking to a new group of
customers."

Farmers & Merchants will offer each of the employees in the acquired branches
opportunities to stay with the bank.  The transaction is subject to
regulatory approval.  Fisher said customers will be notified of the
acquisition by letter.

Farmers & Merchants Bank has been serving the residents of the Shenandoah
Valley since 1908, offering full service banking at all of our branch
locations.    Your deposits are re-invested here in our community by offering
loans to local farmers, businesses & families.  For 92 years we have been
serving the needs of Rockingham County and the adjacent communities, now we
have the opportunity to branch out into neighboring Shenandoah County.  There
are currently five branches in Rockingham County: Timberville, Rockingham
Street in Elkton, Broadway, Elkton Plaza & Bridgewater.   For additional
information, contact Julian Fisher or Neil Hayslett at (540) 896-8941.



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