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                                                                      EXHIBIT 32

             CERTIFICATION OF PRESIDENT AND CHIEF EXECUTIVE OFFICER,
                SENIOR VICE PRESIDENT AND CHIEF FINANCIAL OFFICER
            PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002
                            (18 U.S.C. SECTION 1350)

     The undersigned, as the President and Chief Executive Officer and Senior
Vice President and Chief Financial Officer of F & M Bank Corp., respectively,
certify that, to the best of each such individual's knowledge and belief, the
Quarterly Report on Form 10-Q for the period ended June 30, 2006, which
accompanies this certification fully complies with the requirements of Section
13(a) of the Securities Exchange Act of 1934 and the information contained in
the periodic report fairly presents, in all material respects, the financial
condition and results of operations of F & M Bank Corp. at the dates and for the
periods indicated. The foregoing certification is made pursuant to Section 906
of the Sarbanes-Oxley Act of 2002 (18 U.S.C. Section 1350) and shall not be
relied upon for any other purpose. The undersigned expressly disclaims any
obligation to update the foregoing certification except as required by law.


                                        /s/ Dean W. Withers
                                        ----------------------------------------
                                        Dean W. Withers
                                        President and Chief Executive Officer


                                        /s/ Neil W. Hayslett
                                        ----------------------------------------
                                        Neil W. Hayslett
                                        Senior Vice President &
                                        Chief Financial Officer

November 10, 2006