Exhibit 24
Section 16 Power of Attorney

The undersigned hereby constitutes and appoints Candy F. Barkley, Lisa F.
Campbell, Krista L. Suter and Jonathan A. Greene, my true and lawful
attorneys-in-fact and agents, each acting alone, with full powers of
substitution, for me and in my name, place and stead, in any and all
capacities, to sign any and all Forms 3, 4 or 5 in connection with my
beneficial ownership of securities of F&M BANK CORP. (the "Company") that
may be required of me pursuant to Section 16 of the Securities
Exchange Act of 1934 and the rules and regulations promulgated
thereunder, and to file the same and all other documents in connection
therewith, with the Securities and Exchange Commission, granting unto
said attorneys-in-fact and agents, each acting alone, full power and
authority to do and perform each and every act and thing requisite and
necessary to be done in and about the premises, as fully to all intents
and purposes as I might or could do in person, hereby ratifying and
confirming all that said attorneys-in-fact and agents, each acting alone,
or his or her substitute, may lawfully do or cause to be done by virtue
hereof.

I declare that any act or thing lawfully done hereunder by my said
attorneys-in-fact and agents shall be binding on myself and my heirs,
legal and personal representatives, and assigns, whether the same shall
have been done before or after my death, or other revocation of this
instrument, unless and until reliable notice hereof shall have been
received by any party who, upon the faith of this instrument, accepts my
said attorneys-in-fact and agents as authorized to represent me.

This power of attorney and the authority of my attorneys-in-fact and
agents hereunder shall not terminate on my disability but shall remain in
full force and effect for so long as I am an officer of director of the
Company and for such time thereafter as may be necessary to file any such
reports.

IN WITNESS WHEREOF, I have hereunto set my hand and seal this 18th day
of January 2024.

/s/ Lisa Campbell
Lisa Campbell, EVP & CFO