<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>3
<FILENAME>k76766exv99w1.txt
<DESCRIPTION>CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350
<TEXT>
<PAGE>

Exhibit 99

                 ADDITIONAL EXHIBIT CERTIFICATIONS - ITEM 601(b)

                  CERTIFICATION OF PRINCIPAL EXECUTIVE OFFICER
                       PURSUANT TO 18 U.S.C. SECTION 1350

In connection with the Quarterly Report of Farmers & Merchants Bancorp, Inc. on
Form 10-Q for the period ending March 31, 2003, as filed with the Securities and
Exchange Commission ("the report"), I, Joe E. Crossgrove, President and Chief
Executive Officer, certify, pursuant to 18 U.S.C. Section 1350, as adopted
pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that:

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

      2   The information contained in the Report fairly presents, in all
          material respects, the financial condition and results of operations
          of Farmers & Merchants Bancorp, Inc. as of the dates and for the
          periods expressed in the Report.


Date:  March 12, 2003                   /s/ Joe E. Crossgrove
       --------------------------       ----------------------------------------
                                        Joe E. Crossgrove, President and
                                          Chief Executive Officer


                  CERTIFICATION OF PRINCIPAL EXECUTIVE OFFICER
                       PURSUANT TO 18 U.S.C. SECTION 1350

In connection with the Quarterly Report of Farmers & Merchants Bancorp, Inc. on
Form 10-Q for the period ending March 31, 2003, as filed with the Securities and
Exchange Commission ("the report"), I, Barbara J. Britenriker, Senior
Vice-President and Chief Financial Officer, certify, pursuant to 18 U.S.C.
Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of
2002, that:

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

      2   The information contained in the Report fairly presents, in all
          material respects, the financial condition and results of operations
          of Farmers & Merchants Bancorp, Inc. as of the dates and for the
          periods expressed in the Report.


Date:  March 12, 2003                   /s/ Barbara J. Britenriker
       --------------------------       ----------------------------------------
                                        Barbara J. Britenriker, Senior
                                          Vice-President Chief Financial Officer






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</TEXT>
</DOCUMENT>
