WASHINGTON, DC 20549

                                  SCHEDULE 14A
                                 (RULE 14a-101)

                     EXCHANGE ACT OF 1934 (AMENDMENT NO. __)

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[   ] Preliminary proxy statement.
[   ] Confidential, for the use of the
      Commission only (as permitted by Rule 14a-6(e)(2).
[   ] Definitive proxy statement.
[   ] Definitive additional materials.
[ X ] Soliciting material pursuant to Section 240.14a-12

                        FARMERS & MERCHANTS BANCORP, INC.
                (Name of Registrant as Specified in Its Charter)

     (Name of Person(s) Filing Proxy Statement if Other Than the Registrant)

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                        FARMERS & MERCHANTS BANCORP, INC.

January 17, 2006

Dear Shareholder:

On December 16, 2005, The Board of Directors declared a $0.45 per share dividend
plus a special year-end "bonus" dividend of $0.20 per share. The dividend will
be paid on January 20, 2006 to shareholders of record on December 16, 2005.
Enclosed is your check or deposit notice of the dividend payment.

The year 2005 closed as our second consecutive year of record earnings. Audited
numbers will not be available to the public until we file our Form 10-K with the
U.S. Securities and Exchange Commission (SEC) near the end of February. The SEC
website can be reached through our newly redesigned website www.fm-bank.com. We
think you will be pleased with the 2005 results.

In March you will receive our 2005 Annual Report and Proxy Statement for the
2006 Annual Meeting. Our annual meeting will be held on Saturday April 22, 2006
at the Founders Hall, located at Sauder Village here in Archbold, Ohio.* At the
meeting there will be 3 items of business to be considered:

1)   Increase the number of authorized common shares to 6,500,000. This will
     give the Board sufficient shares to effect an intended 4 for 1 stock split.

2)   Allow future amendments to the Articles of Incorporation by the affirmative
     vote of 66 2/3% of the shares voted, as opposed to the total shares

3)   Election of Directors.

I cannot stress enough how important it is for all of you to vote your shares.
The first two above-mentioned items still require an affirmative vote of 2/3 of
all the outstanding shares. With over 2,000 shareholders throughout the country
it is difficult to get enough shares voted to address the questions to be
considered. It is important that you vote your shares when you receive your
ballots in March. To try to increase the number of shares voted, we will add two
new options this year - telephone and internet voting. The standard paper ballot
will also remain.

As always, you are encouraged to speak to any Director or Senior Officer
regarding any questions or concerns you may have. We value all of your input and
thank you for your continued support.


/s/ Paul S. Siebenmorgen
Paul S. Siebenmorgen
President and CEO

*The company will file a proxy statement and other relevant documents (along
with any amendments thereto) with the Securities and Exchange Commission (the
"SEC") concerning the proposals, to be considered. The company will mail these
materials to shareholders when available, and shareholders are urged to read
them because they will contain important information. You will be able to obtain
a free copy of the proxy statement, as well as other filings containing
information about the company, at the SEC's internet site (http://www.sec.gov).
Copies of the proxy statement can also be obtained by the shareholders when
available, and without charge, by directing a request to Farmers & Merchants
Bancorp, Inc., 307-11 N. Defiance St. P.O. Box 216, Archbold, Ohio 43502, Attn:
Lydia Huber, Corporate Secretary, 419-446-2501.