<DOCUMENT>
<TYPE>EX-21
<SEQUENCE>2
<FILENAME>k12812exv21.txt
<DESCRIPTION>SUBSIDIARIES OF FARMERS & MERCHANTS BANCORP INC
<TEXT>
<PAGE>

                                                                      EXHIBIT 21

                SUBSIDIAIRIES OF FARMERS & MERCHANTS BANCORP, INC

                         FARMERS & MERCHANTS STATE BANK

                   FARMERS & MERCHANTS LIFE INSURANCE COMPANY


                                       66
</TEXT>
</DOCUMENT>
