-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 O8JMDBtksqdoX6Zlcm/ED7Ibynog41t23AVMrfX5wv5b9Usv2WEIwdh4ewtJmM9w
 qE67XMFEKqLaJmq3UuvB5w==

<SEC-DOCUMENT>0000839845-05-000001.txt : 20050113
<SEC-HEADER>0000839845-05-000001.hdr.sgml : 20050113
<ACCEPTANCE-DATETIME>20050113103002
ACCESSION NUMBER:		0000839845-05-000001
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20041202
FILED AS OF DATE:		20050113
DATE AS OF CHANGE:		20050113

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			WELLS MARY
		CENTRAL INDEX KEY:			0001245619

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-17353
		FILM NUMBER:		05527226

	BUSINESS ADDRESS:	
		STREET 1:		3 SUNSET ROAD
		STREET 2:		PO BOX 397
		CITY:			BURLINGTON
		STATE:			NJ
		ZIP:			08016
		BUSINESS PHONE:		609 386 2400

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FMS FINANCIAL CORP
		CENTRAL INDEX KEY:			0000839845
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036]
		IRS NUMBER:				222916440
		STATE OF INCORPORATION:			NJ
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		SUNSET & SALEM RDS
		CITY:			BURLINGTON
		STATE:			NJ
		ZIP:			08016
		BUSINESS PHONE:		6093862400

	MAIL ADDRESS:	
		STREET 1:		SUNSET & SALEM ROADS
		CITY:			BURLINGTON
		STATE:			NJ
		ZIP:			08016
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>primary_doc.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2004-12-02</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

    <issuer>
        <issuerCik>0000839845</issuerCik>
        <issuerName>FMS FINANCIAL CORP</issuerName>
        <issuerTradingSymbol>fmco</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001245619</rptOwnerCik>
            <rptOwnerName>WELLS MARY</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>161 RAMBLEWOOD ROAD</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>MOORESTOWN</rptOwnerCity>
            <rptOwnerState>NJ</rptOwnerState>
            <rptOwnerZipCode>08057</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2004-12-02</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>P</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>57</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>18.19</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>779</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
    </nonDerivativeTable>

    <ownerSignature>
        <signatureName>Mary Wells/Marcella Hatcher, POA</signatureName>
        <signatureDate>2005-01-13</signatureDate>
    </ownerSignature>
</ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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