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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 DYCnDoWZhccxQTB7xUTFnLNmy6lsr4et+Ku9Tbu88Wf8ydaupf3HVGfs7UhaeL3I
 gbFoQ2tVJfH85QZTaDePvw==

<SEC-DOCUMENT>0001209191-04-002517.txt : 20040112
<SEC-HEADER>0001209191-04-002517.hdr.sgml : 20040112
<ACCEPTANCE-DATETIME>20040112140007
ACCESSION NUMBER:		0001209191-04-002517
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20040102
FILED AS OF DATE:		20040112

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			SAUDER MAYNARD
		CENTRAL INDEX KEY:			0001271114

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-14492
		FILM NUMBER:		04520225

	MAIL ADDRESS:	
		STREET 1:		502 MIDDLE ST.
		CITY:			ARCHBOLD
		STATE:			OH
		ZIP:			43502

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
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>doc4.xml
<DESCRIPTION>FORM 4 SUBMISSION
<TEXT>
<XML>
<?xml version="1.0"?><ownershipDocument><schemaVersion>X0201</schemaVersion>    <documentType>4</documentType><periodOfReport>2004-01-02</periodOfReport><notSubjectToSection16>0</notSubjectToSection16><issuer><issuerCik>0000792966</issuerCik><issuerName>FARMERS &amp; MERCHANTS BANCORP INC</issuerName>        <issuerTradingSymbol>none</issuerTradingSymbol></issuer><reportingOwner><reportingOwnerId><rptOwnerCik>0001271114</rptOwnerCik><rptOwnerName>SAUDER MAYNARD</rptOwnerName></reportingOwnerId><reportingOwnerAddress><rptOwnerStreet1>502 MIDDLE ST</rptOwnerStreet1><rptOwnerStreet2></rptOwnerStreet2><rptOwnerCity>ARCHBOLD</rptOwnerCity><rptOwnerState>OH</rptOwnerState><rptOwnerZipCode>43502</rptOwnerZipCode><rptOwnerStateDescription></rptOwnerStateDescription></reportingOwnerAddress><reportingOwnerRelationship><isDirector>1</isDirector><isOfficer>1</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther><officerTitle>Vice Chairman</officerTitle></reportingOwnerRelationship></reportingOwner><nonD
erivativeTable><nonDerivativeTransaction><securityTitle><value>Common Stock</value></securityTitle><transactionDate><value>2004-01-02</value></transactionDate><deemedExecutionDate></deemedExecutionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>J</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>218.0000</value></transactionShares><transactionPricePerShare><value>100.0000</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>D</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>7482.0000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></nonDerivativeTransaction><nonDerivativeTransaction><securityTitle><value>Common Stock</v
alue></securityTitle><transactionDate><value>2004-01-02</value></transactionDate><deemedExecutionDate></deemedExecutionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>J</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>218.0000</value></transactionShares><transactionPricePerShare><value>100.0000</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>D</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>8952.0000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>Spouse</value></natureOfOwnership></ownershipNature></nonDerivativeTransaction></nonDerivativeTable><footnotes></footnotes><remarks></remarks><ownerSignature><s
ignatureName>Carol J. England, Corp. Secretary</signatureName><signatureDate>2004-01-12</signatureDate></ownerSignature></ownershipDocument>

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