<DOCUMENT>
<TYPE>EX-32.2
<SEQUENCE>7
<FILENAME>k84977exv32w2.txt
<DESCRIPTION>SEC. 906 CERTIFICATION OF CHIEF FINANCIAL OFFICER
<TEXT>
<PAGE>

                                                                 EXHIBIT    32.2


                  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, 2004, 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:    April 23, 2004               /s/ Barbara J. Britenriker
         -----------------            -----------------------------------------
                                          Barbara J. Britenriker, Senior
                                          Vice-President Chief Financial Officer


</TEXT>
</DOCUMENT>
