<?xml version="1.0"?>
<edgarSubmission>

    <schemaVersion>X0708</schemaVersion>

    <submissionType>D</submissionType>

    <testOrLive>LIVE</testOrLive>

    <primaryIssuer>
        <cik>0000740806</cik>
        <entityName>F&amp;M BANK CORP</entityName>
        <issuerAddress>
            <street1>205 South Main Street</street1>
            <city>TIMBERVILLE</city>
            <stateOrCountry>VA</stateOrCountry>
            <stateOrCountryDescription>VIRGINIA</stateOrCountryDescription>
            <zipCode>22853</zipCode>
        </issuerAddress>
        <issuerPhoneNumber>540-896-8941</issuerPhoneNumber>
        <jurisdictionOfInc>VIRGINIA</jurisdictionOfInc>
        <issuerPreviousNameList>
            <value>None</value>
        </issuerPreviousNameList>
        <edgarPreviousNameList>
            <value>None</value>
        </edgarPreviousNameList>
        <entityType>Corporation</entityType>
        <yearOfInc>
            <overFiveYears>true</overFiveYears>
        </yearOfInc>
    </primaryIssuer>

    <relatedPersonsList>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>Aubrey</firstName>
                <middleName>Michael</middleName>
                <lastName>Wilkerson</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>c/o F &amp; M Bank Corp.</street1>
                <street2>205 South Main Street</street2>
                <city>TIMBERVILLE</city>
                <stateOrCountry>VA</stateOrCountry>
                <stateOrCountryDescription>VIRGINIA</stateOrCountryDescription>
                <zipCode>22853</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
                <relationship>Executive Officer</relationship>
                <relationship>Director</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification>Chief Executive Officer</relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>Edward</firstName>
                <middleName>Ray</middleName>
                <lastName>Burkholder</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>c/o F &amp; M Bank Corp.</street1>
                <street2>205 South Main Street</street2>
                <city>TIMBERVILLE</city>
                <stateOrCountry>VA</stateOrCountry>
                <stateOrCountryDescription>VIRGINIA</stateOrCountryDescription>
                <zipCode>22853</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
                <relationship>Director</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification></relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>Neil</firstName>
                <middleName>A.</middleName>
                <lastName>Houff</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>c/o F &amp; M Bank Corp.</street1>
                <street2>205 South Main Street</street2>
                <city>TIMBERVILLE</city>
                <stateOrCountry>VA</stateOrCountry>
                <stateOrCountryDescription>VIRGINIA</stateOrCountryDescription>
                <zipCode>22853</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
                <relationship>Director</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification></relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>Michael</firstName>
                <middleName>W.</middleName>
                <lastName>Pugh</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>c/o F &amp; M Bank Corp.</street1>
                <street2>205 South Main Street</street2>
                <city>TIMBERVILLE</city>
                <stateOrCountry>VA</stateOrCountry>
                <stateOrCountryDescription>VIRGINIA</stateOrCountryDescription>
                <zipCode>22853</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
                <relationship>Director</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification></relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>Christopher</firstName>
                <middleName>S.</middleName>
                <lastName>Runion</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>c/o F &amp; M Bank Corp.</street1>
                <street2>205 South Main Street</street2>
                <city>TIMBERVILLE</city>
                <stateOrCountry>VA</stateOrCountry>
                <stateOrCountryDescription>VIRGINIA</stateOrCountryDescription>
                <zipCode>22853</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
                <relationship>Director</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification></relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>Anne</firstName>
                <middleName>B.</middleName>
                <lastName>Keeler</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>c/o F &amp; M Bank Corp.</street1>
                <street2>205 South Main Street</street2>
                <city>TIMBERVILLE</city>
                <stateOrCountry>VA</stateOrCountry>
                <stateOrCountryDescription>VIRGINIA</stateOrCountryDescription>
                <zipCode>22853</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
                <relationship>Director</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification></relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>Peter</firstName>
                <middleName>H.</middleName>
                <lastName>Wray</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>c/o F &amp; M Bank Corp.</street1>
                <street2>205 South Main Street</street2>
                <city>TIMBERVILLE</city>
                <stateOrCountry>VA</stateOrCountry>
                <stateOrCountryDescription>VIRGINIA</stateOrCountryDescription>
                <zipCode>22853</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
                <relationship>Director</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification></relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>Hannah</firstName>
                <middleName>W.</middleName>
                <lastName>Hutman</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>c/o F &amp; M Bank Corp.</street1>
                <street2>205 South Main Street</street2>
                <city>TIMBERVILLE</city>
                <stateOrCountry>VA</stateOrCountry>
                <stateOrCountryDescription>VIRGINIA</stateOrCountryDescription>
                <zipCode>22853</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
                <relationship>Director</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification></relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>John</firstName>
                <middleName>A.</middleName>
                <lastName>Willingham</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>c/o F &amp; M Bank Corp.</street1>
                <street2>205 South Main Street</street2>
                <city>TIMBERVILLE</city>
                <stateOrCountry>VA</stateOrCountry>
                <stateOrCountryDescription>VIRGINIA</stateOrCountryDescription>
                <zipCode>22853</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
                <relationship>Director</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification></relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>Dean</firstName>
                <middleName>W.</middleName>
                <lastName>Withers</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>c/o F &amp; M Bank Corp.</street1>
                <street2>205 South Main Street</street2>
                <city>TIMBERVILLE</city>
                <stateOrCountry>VA</stateOrCountry>
                <stateOrCountryDescription>VIRGINIA</stateOrCountryDescription>
                <zipCode>22853</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
                <relationship>Director</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification></relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>Barton</firstName>
                <middleName>E.</middleName>
                <lastName>Black</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>c/o F &amp; M Bank Corp.</street1>
                <street2>205 South Main Street</street2>
                <city>TIMBERVILLE</city>
                <stateOrCountry>VA</stateOrCountry>
                <stateOrCountryDescription>VIRGINIA</stateOrCountryDescription>
                <zipCode>22853</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
                <relationship>Executive Officer</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification>President</relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>Lisa</firstName>
                <middleName>F.</middleName>
                <lastName>Campbell</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>c/o F &amp; M Bank Corp.</street1>
                <street2>205 South Main Street</street2>
                <city>TIMBERVILLE</city>
                <stateOrCountry>VA</stateOrCountry>
                <stateOrCountryDescription>VIRGINIA</stateOrCountryDescription>
                <zipCode>22853</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
                <relationship>Executive Officer</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification>EVP/Chief Financial Officer</relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>Charles</firstName>
                <middleName>C.</middleName>
                <lastName>Driest</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>c/o F &amp; M Bank Corp.</street1>
                <street2>205 South Main Street</street2>
                <city>TIMBERVILLE</city>
                <stateOrCountry>VA</stateOrCountry>
                <stateOrCountryDescription>VIRGINIA</stateOrCountryDescription>
                <zipCode>22853</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
                <relationship>Executive Officer</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification>EVP/Chief Experience Officer</relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>Paul</firstName>
                <middleName>E.</middleName>
                <lastName>Eberly</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>c/o F &amp; M Bank Corp.</street1>
                <street2>205 South Main Street</street2>
                <city>TIMBERVILLE</city>
                <stateOrCountry>VA</stateOrCountry>
                <stateOrCountryDescription>VIRGINIA</stateOrCountryDescription>
                <zipCode>22853</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
                <relationship>Executive Officer</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification>EVP/Chief Development Officer</relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>Melody</firstName>
                <lastName>Emswiler</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>c/o F &amp; M Bank Corp.</street1>
                <street2>205 South Main Street</street2>
                <city>TIMBERVILLE</city>
                <stateOrCountry>VA</stateOrCountry>
                <stateOrCountryDescription>VIRGINIA</stateOrCountryDescription>
                <zipCode>22853</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
                <relationship>Executive Officer</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification>EVP/Chief Human Resource Officer</relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>Jason</firstName>
                <middleName>C.</middleName>
                <lastName>Withers</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>c/o F &amp; M Bank Corp.</street1>
                <street2>205 South Main Street</street2>
                <city>TIMBERVILLE</city>
                <stateOrCountry>VA</stateOrCountry>
                <stateOrCountryDescription>VIRGINIA</stateOrCountryDescription>
                <zipCode>22853</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
                <relationship>Executive Officer</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification>EVP/Chief Credit Officer</relationshipClarification>
        </relatedPersonInfo>
    </relatedPersonsList>

    <offeringData>
        <industryGroup>
            <industryGroupType>Commercial Banking</industryGroupType>
        </industryGroup>
        <issuerSize>
            <revenueRange>Decline to Disclose</revenueRange>
        </issuerSize>
        <federalExemptionsExclusions>
            <item>06b</item>
        </federalExemptionsExclusions>
        <typeOfFiling>
            <newOrAmendment>
                <isAmendment>false</isAmendment>
            </newOrAmendment>
            <dateOfFirstSale>
                <value>2025-10-24</value>
            </dateOfFirstSale>
        </typeOfFiling>
        <durationOfOffering>
            <moreThanOneYear>false</moreThanOneYear>
        </durationOfOffering>
        <typesOfSecuritiesOffered>
            <isDebtType>true</isDebtType>
        </typesOfSecuritiesOffered>
        <businessCombinationTransaction>
            <isBusinessCombinationTransaction>false</isBusinessCombinationTransaction>
            <clarificationOfResponse></clarificationOfResponse>
        </businessCombinationTransaction>
        <minimumInvestmentAccepted>0</minimumInvestmentAccepted>
        <salesCompensationList></salesCompensationList>
        <offeringSalesAmounts>
            <totalOfferingAmount>10000000</totalOfferingAmount>
            <totalAmountSold>10000000</totalAmountSold>
            <totalRemaining>0</totalRemaining>
            <clarificationOfResponse></clarificationOfResponse>
        </offeringSalesAmounts>
        <investors>
            <hasNonAccreditedInvestors>false</hasNonAccreditedInvestors>
            <totalNumberAlreadyInvested>1</totalNumberAlreadyInvested>
        </investors>
        <salesCommissionsFindersFees>
            <salesCommissions>
                <dollarAmount>0</dollarAmount>
            </salesCommissions>
            <findersFees>
                <dollarAmount>0</dollarAmount>
            </findersFees>
            <clarificationOfResponse></clarificationOfResponse>
        </salesCommissionsFindersFees>
        <useOfProceeds>
            <grossProceedsUsed>
                <dollarAmount>0</dollarAmount>
            </grossProceedsUsed>
            <clarificationOfResponse>Other than the payment of salaries and other compensation and reimbursement of expenses, no officer, director or promoter will receive any payments from the proceeds of this offering.</clarificationOfResponse>
        </useOfProceeds>
        <signatureBlock>
            <authorizedRepresentative>false</authorizedRepresentative>
            <signature>
                <issuerName>F&amp;M BANK CORP</issuerName>
                <signatureName>Lisa F. Campbell</signatureName>
                <nameOfSigner>Lisa F. Campbell</nameOfSigner>
                <signatureTitle>EVP and Chief Financial Officer</signatureTitle>
                <signatureDate>2025-10-31</signatureDate>
            </signature>
        </signatureBlock>
    </offeringData>
</edgarSubmission>
