SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
____________
FORM 15
Certification and Notice of Termination of Registration under Section 12(g)
of the Securities Exchange Act of 1934 or Suspension of Duty to File
Reports Under Sections 13 and 15(d) of the Securities Exchange Act of 1934.
Commission File Number 0-22536
MONOCACY BANCSHARES, INC.
(Exact name of registrant as specified in its charter)
222 EAST BALTIMORE STREET
TANEYTOWN, MARYLAND 21787
(410) 756-2655
(Address, including zip code, and telephone number,
including area code, of registrant's principal executive offices)
Common Stock, par value $5.00 per share
(Title of each class of securities covered by this Form)
None
(Titles of all other classes of securities for which a
duty to file reports under section 13(a) or 15(d) remains)
Please place an X in the box(es) to designate the appropriate rule
provision(s) relied upon to terminate or suspend the duty to file reports:
Rule 12g-4(a)(1)(i) [X] Rule 12h-3(b)(1)(i) [ ]
Rule 12g-4(a)(1)(ii) [ ] Rule 12h-3(b)(1)(ii) [ ]
Rule 12g-4(a)(2)(i) [ ] Rule 12h-3(b)(2)(i) [ ]
Rule 12g-4(a)(2)(ii) [ ] Rule 12h-3(b)(2)(ii) [ ]
Rule 15d-6 [ ]
Approximate number of holders of record as of certification or notice date:
None.
Pursuant to the requirements of the Securities Exchange Act of 1934, F&M
Bancorp, as successor issuer to Monocacy Bancshares, Inc., has caused this
certification/notice to be signed on its behalf by the undersigned duly
authorized person.
Date: December 1, 1998 By: /s/ Gordon M. Cooley
----------------------------
Gordon M. Cooley
Secretary and General Counsel
