<DOCUMENT>
<TYPE>EX-32.1
<SEQUENCE>4
<FILENAME>k88662exv32w1.txt
<DESCRIPTION>906 CERTIFICATION OF CHIEF EXECUTIVE OFFICER
<TEXT>
<PAGE>


                                                                   EXHIBIT 32.1

                  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 September 30, 2004, 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:         October 29, 2004                 /s/ Joe E. Crossgrove
                                               ---------------------------------
                                               Joe E. Crossgrove, President and
                                                 Chief Executive Officer





</TEXT>
</DOCUMENT>
