Exhibit 99.2


        STATEMENT OF CHIEF FINANCIAL OFFICER UNDER 10 U.S.C. SECTION 1350


In connection with the filing of the Quarterly Report of Farmers & Merchants
Bancorp (the "Company") on Form 10-Q for the period ending September 30, 2002
(the "Report"), I, John R. Olson, the chief financial officer of the Company,
certify pursuant to section 1350 of chapter 63 of title 18 of the United States
Code that, to my knowledge,

(i)  the Report fully complies with the requirements of section 13(a) or 15(d)
     of the Securities Exchange Act
                  of 1934, and

(ii) the information contained in the Report fairly presents, in all material
     respects, the financial condition and results of operations of the Company.




                                                 /s/John R. Olson
                                                ---------------------------
                                                 John R. Olson

                                                 October 31, 2002