FARMERS & MERCHANTS BANCORP, INC.

                                                                    EXHIBIT 99.2


In connection with the Annual Report on Form 10-K of Farmers & Merchants
Bancorp, Inc. for the year ended December 31, 2002, as filed with the Securities
and Exchange Commission (the "Report"), I, Joe E. Crossgrove, Chief Executive
Officer, of the Company, certify, pursuant to 18 U.S.C. Section 1350, as added
by Section 906 of the Sarbanes-Oxley Act of 2002, that:

       1.     The Report fully complies with the requirement of Section 13(a) or
              15(d) of the Securities Exchange Act of 1934; and;

       2.     To my knowledge, the information contained in the Report fairly
              presents, in all material respects, the financial condition and
              results of operations of the Company as of and for the period
              covered by the Report.



Date: March 28, 2003              /s/ Barbara Britenriker
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                                  Barbara Britenriker, Chief Financial Officer






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