-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 TwoSLsXhyFV62ThFGe8c5DP7z9THx/tazq7vCeyt/PNT00nWbRDoqq3BlzyLtoNb
 YCmr2cyaycBGvwTKKiIVQw==

<SEC-DOCUMENT>0001209191-04-003419.txt : 20040116
<SEC-HEADER>0001209191-04-003419.hdr.sgml : 20040116
<ACCEPTANCE-DATETIME>20040116155625
ACCESSION NUMBER:		0001209191-04-003419
CONFORMED SUBMISSION TYPE:	3
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20040116
FILED AS OF DATE:		20040116

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:			SAUDER KEVIN J
		CENTRAL INDEX KEY:			0001276726

	FILING VALUES:
		FORM TYPE:		3
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-14492
		FILM NUMBER:		04529825

	BUSINESS ADDRESS:	
		STREET 1:		FARMERS & MERCHANTS STATE BANK
		STREET 2:		307-311 N. DEFIANCE ST
		CITY:			ARCHBOLD
		STATE:			OH
		ZIP:			43502
		BUSINESS PHONE:		4194462711

	MAIL ADDRESS:	
		STREET 1:		C/O FARMERS & MERCHANTS STATE BANK
		STREET 2:		307-311 N. DEFIANCE ST
		CITY:			ARCHNOLD
		STATE:			OH
		ZIP:			43502
</SEC-HEADER>
<DOCUMENT>
<TYPE>3
<SEQUENCE>1
<FILENAME>doc3.xml
<DESCRIPTION>FORM 3 SUBMISSION
<TEXT>
<XML>
<?xml version="1.0"?><ownershipDocument><schemaVersion>X0201</schemaVersion>    <documentType>3</documentType><periodOfReport>2004-01-16</periodOfReport><noSecuritiesOwned>0</noSecuritiesOwned><issuer><issuerCik>0000792966</issuerCik><issuerName>FARMERS &amp; MERCHANTS BANCORP INC</issuerName>        <issuerTradingSymbol>none</issuerTradingSymbol></issuer><reportingOwner><reportingOwnerId><rptOwnerCik>0001276726</rptOwnerCik><rptOwnerName>SAUDER KEVIN J</rptOwnerName></reportingOwnerId><reportingOwnerAddress><rptOwnerStreet1>307-311 N DEFIANCE ST</rptOwnerStreet1><rptOwnerStreet2></rptOwnerStreet2><rptOwnerCity>ARCHBOLD</rptOwnerCity><rptOwnerState>OH</rptOwnerState><rptOwnerZipCode>43502</rptOwnerZipCode><rptOwnerStateDescription></rptOwnerStateDescription></reportingOwnerAddress><reportingOwnerRelationship><isDirector>1</isDirector><isOfficer>0</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther></reportingOwnerRelationship></reportingOwner><nonDerivativeTable><nonDerivativeHolding><secu
rityTitle><value>Common Stock</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>468.0000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></nonDerivativeHolding><nonDerivativeHolding><securityTitle><value>Common Stock</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>468.0000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>Spouse</value></natureOfOwnership></ownershipNature></nonDerivativeHolding></nonDerivativeTable><footnotes></footnotes><remarks></remarks><ownerSignature><signatureName>Carol J. England, Corp Secy.</signatureName><signatureDate>2004-01-16</signatureDate></ownerSignature></ownershipDocument>

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