<DOCUMENT>
<TYPE>EX-31.2
<SEQUENCE>4
<FILENAME>k80605exv31w2.txt
<DESCRIPTION>302 CERTIFICATION OF CHIEF FINANCIAL OFFICER
<TEXT>
<PAGE>
                                                                    EXHIBIT 31.2


                                 CERTIFICATIONS

I, Barbara J. Britenriker, Senior Vice-President and CFO, certify that:

       1  I have reviewed this quarterly report on Form 10-Q of Farmers &
          Merchants Bancorp, Inc.;

       2  Based on my knowledge, this quarterly report does not contain any
          untrue statement of a material fact or omit to state a material fact
          necessary to make the statements made, in light of the circumstances
          under which such statements were made, not misleading with respect to
          the period covered by this quarterly report;

       3  Based on my knowledge, the financial statements, and other financial
          information included in this quarterly report, fairly present in all
          material respects the financial condition, results of operations and
          cash flows of the registrant as of, and for, the periods presented in
          this quarterly report;

       4  The registrant's other certifying officers and I are responsible for
          establishing and maintaining disclosure controls and procedures (as
          defined in Exchange Act Rules 13a-14 and 15d-14) for the registrant
          and we have:

          a. designed such disclosure controls and procedures to ensure that
             material information relating to the registrant, including its
             consolidated subsidiaries, is made known to us by others within
             those entities, particularly during the period in which this
             quarterly report is being prepared;

          b. evaluated the effectiveness of the registrants' disclosure controls
             and procedures as of a date within 90 days prior to the filing of
             this quarterly report (the "Evaluation Date"); and

          c. presented in this quarterly report our conclusions about the
             effectiveness of the disclosure controls and procedures based on
             our evaluation as of the Evaluation Date;

       5  The registrant's other certifying officers and I have disclosed, based
          on our most recent evaluation, to the registrant's auditors and the
          audit committee of registrant's board of directors (or persons
          performing the equivalent function):

          a. all significant deficiencies in the design or operation of internal
             controls which could adversely affect the registrant's ability to
             record, process, summarize and report financial data and have
             identified for the registrant's auditors any material weaknesses in
             internal controls; and

          b. any fraud, whether or not material, that involves management or
             other employees who have significant role in the registrant's
             internal controls; and

       6  The registrant's other certifying officers and I have indicated in
          this quarterly report whether or not there were significant changes in
          internal controls or in other factors that could significantly affect
          internal controls subsequent to the date of our most recent
          evaluation, including any corrective actions with regard to
          significant deficiencies and material weaknesses.

Date:     November 13, 2003
          -------------------------------
          /s/ Barbara J. Britenriker
          -------------------------------
          Senior Vice-President and CFO
          -------------------------------




                                        9

</TEXT>
</DOCUMENT>
