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<P style="margin-top:5.85pt; margin-bottom:5.85pt; line-height:16pt; font-family:times new roman; font-size:14pt" align=center><B>UNITED STATES<BR>
SECURITIES AND EXCHANGE COMMISSION</B> </P>
<P style="margin:0pt; line-height:14pt; font-family:times new roman; font-size:12pt" align=center><B>WASHINGTON, D.C. 20549</B> </P>
<P style="margin-top:7.5pt; margin-bottom:7.5pt; line-height:20pt; font-family:times new roman; font-size:18pt" align=center><B>FORM 8-K</B> </P>
<P style="margin-top:5pt; margin-bottom:5pt; line-height:14pt; font-family:times new roman; font-size:12pt" align=center><B>CURRENT REPORT<BR>
Pursuant to Section&nbsp;13 or 15(d) of<BR>
the Securities Exchange Act of 1934</B> </P>
<P style="margin-top:4.6pt; margin-bottom:4.6pt; line-height:13pt; font-family:times new roman; font-size:11pt" align=center>Date of Report (Date of earliest event reported): <B>February 14, 2005</B> </P>
<P style="margin-top:10pt; margin-bottom:10pt; line-height:26pt; font-family:times new roman; font-size:24pt" align=center><B>F &amp; M Bank Corp.</B> </P>
<P style="margin:0pt; line-height:13pt; font-family:times new roman; font-size:11pt" align=center>(Exact name of registrant as specified in its charter)</P>
<BR>
<TABLE style="font-size:10pt" cellspacing=0 align=center><TR><TD valign=top width=193><P style="margin:0pt; line-height:14pt; font-family:Times New Roman; font-size:11pt" align=center><B>Virginia</B></P>
<P style="margin:0pt; line-height:13pt; font-family:Times New Roman; font-size:9pt" align=center>(State or other jurisdiction</P>
<P style="margin:0pt; line-height:13pt; font-family:Times New Roman; font-size:9pt" align=center>of incorporation)</P>
</TD><TD valign=top width=192 colspan=2><P style="margin:0pt; line-height:14pt; font-family:Times New Roman; font-size:11pt" align=center><B>000-13273</B></P>
<P style="margin:0pt; line-height:13pt; font-family:Times New Roman; font-size:9pt" align=center>(Commission File Number)</P>
</TD><TD valign=top width=192><P style="margin:0pt; line-height:14pt; font-family:Times New Roman; font-size:11pt" align=center><B>54-1280811</B></P>
<P style="margin:0pt; line-height:13pt; font-family:Times New Roman; font-size:9pt" align=center>(IRS Employer</P>
<P style="margin:0pt; line-height:13pt; font-family:Times New Roman; font-size:9pt" align=center>Identification No.)</P>
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<BR>
<P style="margin-top:4.6pt; margin-bottom:4.6pt; line-height:13pt; font-family:times new roman; font-size:11pt" align=center><B>P.O. Box 1111<BR>Timberville, Virginia 22853<BR>
(540)&nbsp;896-8941</B> </P>
<P style="margin-top:4.6pt; margin-bottom:4.6pt; line-height:13pt; font-family:times new roman; font-size:9pt" align=center>(Address including zip code, and telephone number, including area code, of registrant&#146;s principal executive offices) </P>
<P style="margin-top:4.6pt; margin-bottom:4.6pt; line-height:13pt; font-family:times new roman; font-size:11pt" align=center><B>Not Applicable</B></P>
<P style="margin:0pt; line-height:13pt; font-family:times new roman; font-size:9pt" align=center>(Former name or former address, if changed since last report.)</P><BR>
<P style="margin:0pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=justify>Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</P>
<P style="margin:0pt; font-family:Times New Roman; font-size:12pt" align=justify><BR></P>
<P style="margin-top:0pt; margin-bottom:-14pt; text-indent:18pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=justify><FONT FACE="Wingdings">o</FONT></P>
<P style="margin:0pt; text-indent:36pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=justify>Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</P>
<P style="margin:0pt; font-family:Times New Roman; font-size:12pt" align=justify><BR></P>
<P style="margin-top:0pt; margin-bottom:-14pt; text-indent:18pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=justify><FONT FACE="Wingdings">o</FONT></P>
<P style="margin:0pt; text-indent:36pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=justify>Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</P>
<P style="margin:0pt; font-family:Times New Roman; font-size:12pt" align=justify><BR></P>
<P style="margin-top:0pt; margin-bottom:-14pt; text-indent:18pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=justify><FONT FACE="Wingdings">o</FONT></P>
<P style="margin:0pt; text-indent:36pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=justify>Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</P>
<P style="margin:0pt; font-family:Times New Roman; font-size:12pt" align=justify><BR></P>
<P style="margin-top:0pt; margin-bottom:-14pt; text-indent:18pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=justify><FONT FACE="Wingdings">o</FONT></P>
<P style="margin:0pt; text-indent:36pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=justify>Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</P>
<P style="margin:0pt; padding-bottom:3pt; font-family:Times New Roman; font-size:12pt; border-bottom:3pt double #000000"><BR></P>
<P style="margin:0pt; font-family:Times New Roman; font-size:12pt" align=justify><BR>
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<TABLE style="font-size:10pt" cellspacing=0><TR><TD width=69.933><P style="margin:0pt; font-family:times new roman; font-size:12pt">&nbsp;</P>
</TD><TD width=510.067>&nbsp;</TD></TR>
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<P style="margin-top:0pt; margin-bottom:-13pt; line-height:13pt; font-family:times new roman; font-size:11pt"><B>Item&nbsp;2.02.</B>&nbsp;</P>
<P style="margin:0pt; text-indent:72pt; line-height:13pt; font-family:times new roman; font-size:11pt"><B>Results of Operations and Financial Condition.</B></P>
<P style="margin-top:4.6pt; margin-bottom:-13pt; line-height:13pt; font-family:times new roman; font-size:11pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P>
<P style="margin-top:0pt; margin-bottom:4.6pt; text-indent:36pt; line-height:13pt; font-family:times new roman; font-size:11pt">On February 14, 2005, F &amp; M Bank Corp. issued a press release commenting on 2004 earnings. A copy of the press release is attached as Exhibit&nbsp;99. </P>
<P style="margin-top:4.6pt; margin-bottom:-13pt; line-height:13pt; font-family:times new roman; font-size:11pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P>
<P style="margin-top:0pt; margin-bottom:4.6pt; text-indent:36pt; line-height:13pt; font-family:times new roman; font-size:11pt">The information in this Form 8-K, and the exhibit hereto, is being furnished and shall not be deemed &#147;filed&#148; for purposes of Section&nbsp;18 of the Securities Exchange Act of 1934, as amended, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, except as shall be expressly set forth by specific reference in such filing. </P>
<P style="margin:0pt; text-indent:52.5pt; font-family:times new roman; font-size:11pt"><BR></P>
<P style="margin-top:0pt; margin-bottom:-13pt; line-height:13pt; font-family:times new roman; font-size:11pt"><B>Item&nbsp;9.01.</B>&nbsp;</P>
<P style="margin:0pt; text-indent:72pt; line-height:13pt; font-family:times new roman; font-size:11pt"><B>Financial Statements and Exhibits.</B></P>
<P style="margin:0pt; font-family:times new roman; font-size:11pt" align=center><BR></P>
<P style="margin-top:0pt; margin-bottom:-13pt; line-height:13pt; font-family:times new roman; font-size:11pt">&nbsp;</P>
<P style="margin-top:0pt; margin-bottom:-13pt; text-indent:18pt; line-height:13pt; font-family:times new roman; font-size:11pt">&nbsp;</P>
<P style="margin-top:0pt; margin-bottom:-13pt; text-indent:29pt; line-height:13pt; font-family:times new roman; font-size:11pt">&nbsp;</P>
<P style="margin-top:0pt; margin-bottom:-13pt; text-indent:47pt; line-height:13pt; font-family:times new roman; font-size:11pt">&nbsp;</P>
<P style="margin-top:0pt; margin-bottom:-13pt; padding-left:72pt; text-indent:-24.75pt; line-height:13pt; font-family:times new roman; font-size:11pt">(c)</P>
<P style="margin:0pt; padding-left:72pt; line-height:13pt; font-family:times new roman; font-size:11pt">Exhibits</P>
<P style="margin:0pt; padding-left:47.25pt; font-family:times new roman; font-size:11pt">&nbsp;</P>
<P style="margin-top:0pt; margin-bottom:-13pt; text-indent:47pt; line-height:13pt; font-family:times new roman; font-size:11pt"><U>Exhibit No.</U></P>
<P style="margin:0pt; text-indent:108pt; line-height:13pt; font-family:times new roman; font-size:11pt"><U>Description</U></P>
<P style="margin-top:0pt; margin-bottom:-13pt; line-height:13pt; font-family:times new roman; font-size:11pt">&nbsp;</P>
<P style="margin-top:0pt; margin-bottom:-13pt; text-indent:47pt; line-height:13pt; font-family:times new roman; font-size:11pt">99</P>
<P style="margin-top:0pt; margin-bottom:-13pt; text-indent:72pt; line-height:13pt; font-family:times new roman; font-size:11pt">&nbsp;</P>
<P style="margin:0pt; text-indent:108pt; line-height:13pt; font-family:times new roman; font-size:11pt">F &amp; M Bank Corp. press release dated February 14, 2005</P>
<P style="margin-top:4.6pt; margin-bottom:4.6pt; font-family:times new roman; font-size:11pt" align=center><B><BR>
<BR></B></P>
<HR style="padding-top:7.2pt; padding-bottom:7.2pt" noshade size=1.333>
<P style="page-break-before:always; margin-top:4.6pt; margin-bottom:4.6pt; line-height:13pt; font-family:times new roman; font-size:11pt" align=center><B>SIGNATURES</B> </P>
<P style="margin-top:4.6pt; margin-bottom:-13pt; line-height:13pt; font-family:times new roman; font-size:11pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P>
<P style="margin-top:0pt; margin-bottom:4.6pt; text-indent:36pt; line-height:13pt; font-family:times new roman; font-size:11pt">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. </P>
<P style="margin-top:0pt; margin-bottom:-13pt; line-height:13pt; font-family:times new roman; font-size:11pt">&nbsp;</P>
<P style="margin-top:0pt; margin-bottom:-13pt; text-indent:207.4pt; line-height:13pt; font-family:times new roman; font-size:11pt">&nbsp;</P>
<P style="margin-top:0pt; margin-bottom:-13pt; text-indent:211.7pt; line-height:13pt; font-family:times new roman; font-size:11pt">&nbsp;</P>
<P style="margin-top:0pt; margin-bottom:-13pt; text-indent:216pt; line-height:13pt; font-family:times new roman; font-size:11pt">&nbsp;</P>
<P style="margin:0pt; text-indent:367.2pt; font-family:times new roman; font-size:11pt">&nbsp;</P>
<P style="margin-top:0pt; margin-bottom:-13pt; line-height:13pt; font-family:times new roman; font-size:11pt">&nbsp;</P>
<P style="margin-top:0pt; margin-bottom:-13pt; text-indent:180pt; line-height:13pt; font-family:times new roman; font-size:11pt"><B>F &amp; M Bank Corp.</B> </P>
<P style="margin:0pt; text-indent:367.2pt; font-family:times new roman; font-size:11pt">&nbsp;</P>
<P style="margin-top:0pt; margin-bottom:-13pt; line-height:13pt; font-family:times new roman; font-size:11pt">&nbsp;</P>
<P style="margin-top:0pt; margin-bottom:-13pt; text-indent:180pt; line-height:13pt; font-family:times new roman; font-size:11pt"><B>(Registrant)</B>&nbsp;</P>
<P style="margin:0pt; text-indent:367.2pt; font-family:times new roman; font-size:11pt">&nbsp;</P>
<P style="margin:0pt; text-indent:367.2pt; font-family:times new roman; font-size:11pt"><BR></P>
<P style="margin-top:0pt; margin-bottom:-13pt; line-height:13pt; font-family:times new roman; font-size:11pt">&nbsp;</P>
<P style="margin:0pt; text-indent:367.2pt; font-family:times new roman; font-size:11pt"><BR></P>
<P style="margin-top:0pt; margin-bottom:-13pt; line-height:13pt; font-family:times new roman; font-size:11pt">&nbsp;</P>
<P style="margin-top:0pt; margin-bottom:-13pt; text-indent:180pt; line-height:13pt; font-family:times new roman; font-size:11pt">By: &nbsp;<U>/s/ Neil W. Hayslett</U></P>
<U><P style="margin:0pt; text-indent:396pt; font-family:times new roman; font-size:11pt"></U>&nbsp;</P>
<P style="margin-top:0pt; margin-bottom:-13pt; line-height:13pt; font-family:times new roman; font-size:11pt">&nbsp;</P>
<P style="margin-top:0pt; margin-bottom:-13pt; text-indent:207.4pt; line-height:13pt; font-family:times new roman; font-size:11pt">Neil W. Hayslett</P>
<P style="margin:0pt; text-indent:367.2pt; font-family:times new roman; font-size:11pt">&nbsp;</P>
<P style="margin-top:0pt; margin-bottom:-13pt; line-height:13pt; font-family:times new roman; font-size:11pt">&nbsp;</P>
<P style="margin-top:0pt; margin-bottom:-13pt; text-indent:207.4pt; line-height:13pt; font-family:times new roman; font-size:11pt">Senior Vice President and Chief Financial Officer&nbsp;</P>
<P style="margin:0pt; text-indent:432pt; font-family:times new roman; font-size:11pt">&nbsp;</P>
<P style="margin:0pt; font-family:times new roman; font-size:11pt">&nbsp;</P>
<P style="margin-top:4.6pt; margin-bottom:4.6pt; line-height:13pt; font-family:times new roman; font-size:11pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Date: February 14, 2005 </P>
<P style="margin-top:4.6pt; margin-bottom:4.6pt; font-family:times new roman; font-size:11pt" align=center><BR>
<BR></P>
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<P style="page-break-before:always; margin-top:4.6pt; margin-bottom:4.6pt; line-height:13pt; font-family:times new roman; font-size:11pt" align=center><B>EXHIBIT INDEX</B></P>
<P style="margin-top:4.6pt; margin-bottom:4.6pt; font-family:times new roman; font-size:11pt" align=center><U><BR></U></P>
<P style="margin-top:4.6pt; margin-bottom:-13pt; line-height:13pt; font-family:times new roman; font-size:11pt"><U>Exhibit No.</U></P>
<P style="margin-top:0pt; margin-bottom:4.6pt; text-indent:72pt; line-height:13pt; font-family:times new roman; font-size:11pt"><U>Description</U></P>
<P style="margin-top:4.6pt; margin-bottom:-13pt; line-height:13pt; font-family:times new roman; font-size:11pt">99</P>
<P style="margin-top:0pt; margin-bottom:4.6pt; text-indent:72pt; line-height:13pt; font-family:times new roman; font-size:11pt">F &amp; M Bank Corp. press release dated February 14, 2005</P>
<P style="margin-top:4.15pt; margin-bottom:4.15pt; font-family:times new roman" align=center>&nbsp;&nbsp;</P>
<P style="margin:0pt; font-family:times new roman; font-size:12pt"><BR></P>
<P style="margin:0pt; font-family:times new roman; font-size:12pt"><BR>
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{"company-data": {"conformed-name": "F&M BANK CORP", "cik": "0000740806", "assigned-sic": "6022", "irs-number": "541280811", "state-of-incorporation": "VA", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-13273", "film-number": "05627421"}, "business-address": {"street1": "P.O. BOX 1111", "city": "TIMBERVILLE", "state": "VA", "zip": "22853", "phone": "540-896-8941"}, "mail-address": {"street1": "P. O. BOX 1111", "city": "TIMBERVILLE", "state": "VA", "zip": "22853"}}
F & M BANK CORP.
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of
the Securities Exchange Act of 1934
Date of Report (Date of earliest event reported):
February 14, 2005
F & M Bank Corp.
(Exact name of registrant as specified in its charter)
Virginia
(State or other jurisdiction
of incorporation)
000-13273
(Commission File Number)
54-1280811
(IRS Employer
Identification No.)
P.O. Box 1111
Timberville, Virginia 22853
(540) 896-8941
(Address including zip code, and telephone number, including area code, of registrant's principal executive offices)
Not Applicable
(Former name or former address, if changed since last report.)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
o
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
o
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
o
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
o
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Item 2.02.
Results of Operations and Financial Condition.
On February 14, 2005, F & M Bank Corp. issued a press release commenting on 2004 earnings. A copy of the press release is attached as Exhibit 99.
The information in this Form 8-K, and the exhibit hereto, is being furnished and shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, except as shall be expressly set forth by specific reference in such filing.
Item 9.01.
Financial Statements and Exhibits.
(c)
Exhibits
Exhibit No.
Description
99
F & M Bank Corp. press release dated February 14, 2005
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
F & M Bank Corp.
(Registrant)
By:
/s/ Neil W. Hayslett
Neil W. Hayslett
Senior Vice President and Chief Financial Officer
Date: February 14, 2005
EXHIBIT INDEX
Exhibit No.
Description
99
F & M Bank Corp. press release dated February 14, 2005