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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 RXQh5PgGTYzP1Hb+np4NNavUEdwA50MpBapYrh2vD6lAMRCNR2fME642qjkYfe3n
 b5m7LpqliaRhuaJYnOq8rg==

<SEC-DOCUMENT>0001209191-03-034187.txt : 20031209
<SEC-HEADER>0001209191-03-034187.hdr.sgml : 20031209
<ACCEPTANCE-DATETIME>20031209174122
ACCESSION NUMBER:		0001209191-03-034187
CONFORMED SUBMISSION TYPE:	5
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20031231
FILED AS OF DATE:		20031209

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FARMERS & MERCHANTS BANCORP INC
		CENTRAL INDEX KEY:			0000792966
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				341469491
		STATE OF INCORPORATION:			OH
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		307-11 N DEFIANCE ST
		CITY:			ARCHBOLD
		STATE:			OH
		ZIP:			43502
		BUSINESS PHONE:		4194462501

	MAIL ADDRESS:	
		STREET 1:		307-11 NORTH DEFIANCE ST
		CITY:			ARCHBOLD
		STATE:			OH
		ZIP:			43502

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			BRITENRIKER BARBARA J
		CENTRAL INDEX KEY:			0001271330

	FILING VALUES:
		FORM TYPE:		5
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-14492
		FILM NUMBER:		031045570

	BUSINESS ADDRESS:	
		STREET 1:		207 11 N DEFIANCE ST
		CITY:			ARCHBOLD
		STATE:			OH
		ZIP:			43502
		BUSINESS PHONE:		419 446 2501

	MAIL ADDRESS:	
		STREET 1:		307 11 N DEFIANCE ST
		CITY:			ARCHBOLD
		STATE:			OH
		ZIP:			43502
</SEC-HEADER>
<DOCUMENT>
<TYPE>5
<SEQUENCE>1
<FILENAME>doc5.xml
<DESCRIPTION>FORM 5 SUBMISSION
<TEXT>
<XML>
<?xml version="1.0"?><ownershipDocument><schemaVersion>X0201</schemaVersion>    <documentType>5</documentType><periodOfReport>2003-12-31</periodOfReport><notSubjectToSection16>0</notSubjectToSection16><form3HoldingsReported>0</form3HoldingsReported><form4TransactionsReported>0</form4TransactionsReported><issuer><issuerCik>0000792966</issuerCik><issuerName>FARMERS &amp; MERCHANTS BANCORP INC</issuerName>        <issuerTradingSymbol>none</issuerTradingSymbol></issuer><reportingOwner><reportingOwnerId><rptOwnerCik>0001271330</rptOwnerCik><rptOwnerName>BRITENRIKER BARBARA J</rptOwnerName></reportingOwnerId><reportingOwnerAddress><rptOwnerStreet1>307-11 N DEFIANCE ST</rptOwnerStreet1><rptOwnerStreet2></rptOwnerStreet2><rptOwnerCity>ARCHBOLD</rptOwnerCity><rptOwnerState>OH</rptOwnerState><rptOwnerZipCode>43502</rptOwnerZipCode><rptOwnerStateDescription></rptOwnerStateDescription></reportingOwnerAddress><reportingOwnerRelationship><isDirector>0</isDirector><isOfficer>1</isOfficer><isTenPercentOwner>0</isTenPercentO
wner><isOther>0</isOther><officerTitle>Sr. Vice President</officerTitle></reportingOwnerRelationship></reportingOwner><nonDerivativeTable><nonDerivativeTransaction><securityTitle><value>COMMON STOCK</value></securityTitle><transactionDate><value>2003-04-11</value></transactionDate><deemedExecutionDate></deemedExecutionDate><transactionCoding><transactionFormType>5</transactionFormType><transactionCode>J</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>20.0000</value></transactionShares><transactionPricePerShare><value>95.0000</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>240.0000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndire
ctOwnership></ownershipNature></nonDerivativeTransaction><nonDerivativeTransaction><securityTitle><value>COMMON STOCK</value></securityTitle><transactionDate><value>2003-09-23</value></transactionDate><deemedExecutionDate></deemedExecutionDate><transactionCoding><transactionFormType>5</transactionFormType><transactionCode>J</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>33.0000</value></transactionShares><transactionPricePerShare><value>95.0000</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>273.0000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></nonDerivativeTransaction></nonDerivativeTable><fo
otnotes></footnotes><remarks></remarks><ownerSignature><signatureName>CAROL J. ENGLAND, CORP. SECRETARY</signatureName><signatureDate>2003-12-09</signatureDate></ownerSignature></ownershipDocument>

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