Farmers & Merchants State Bank Announcing Grand Opening

    ARCHBOLD, Ohio, Aug. 19 /EMWNews/ -- Paul S. Siebenmorgen, President

and CEO of Farmers & Merchants State Bank in Archbold, Ohio, announced the

grand opening of the bank's eighteenth full-service office located in

Angola, Indiana.



    The F & M office will serve the businesses and citizens of the Angola

area. The full-service office will include a drive-up ATM and two drive-up

lanes and staffed with local bankers to serve the customers, where

decisions can be made locally. The bank focuses on locally owned and

operated businesses & individuals because that is where 'its' own roots

are.



    The new office is located at 2310 North Wayne Street. There will be an

Open House on August 29 from 11-2.



    Farmers & Merchants State Bank is an $800 million independent,

community bank that has been serving Northwest Ohio for 110 years. Farmers

& Merchants State Bank has 17 offices with locations in Fulton, Williams,

Henry, Defiance, Lucas and Wood counties of Northwest Ohio and DeKalb and

now Steuben Counties in Northeast Indiana. Farmers & Merchants Bancorp,

Inc. is the one bank holding company of the Farmers & Merchants State Bank

and is traded under the symbol FMAO.



    For additional information, you may contact Marty Filogamo, Marketing

Director at [email protected].



    SAFE HARBOR STATEMENT



    Farmers & Merchants Bancorp, Inc. ("F&M") wishes to take advantage of

the Safe Harbor provisions included in the Private Securities Litigation

Reform Act of 1995. Statements by F&M, including management's expectations

and comments, may not be based on historical facts and are "forward-looking

statements" within the meaning of Section 27A of the Securities Act of

1933, as amended and Section 21B of the Securities Act of 1934, as amended.

Actual results could vary materially depending on risks and uncertainties

inherent in general and local banking conditions, competitive factors

specific to markets in which F&M and its subsidiaries operate, future

interest rate levels, legislative and regulatory decisions or capital

market conditions. F&M assumes no responsibility to update this

information. For more details, please refer to F&M's SEC filings, including

its most recent Annual Report on Form 10-K and quarterly reports on Form

10-Q. Such filings can be viewed at the SEC's website, http://www.sec.gov.