<DOCUMENT>
<TYPE>EX-32.2
<SEQUENCE>5
<FILENAME>k94656exv32w2.txt
<DESCRIPTION>SECTION 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 September 30, 2004, as filed with the Securities
and Exchange Commission ("the report"), I, Barbara J. Britenriker, Exec.
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 27, 2005              /s/ Barbara J. Britenriker
                                  ------------------------------------------
                                  Barbara J. Britenriker, Exec. Vice President
                                  and Chief Financial Officer
</TEXT>
</DOCUMENT>
