First Mariner Bancorp
Ticker:FMAR 1801 South Clinton Street
Exchange:NASDAQ-National Market Baltimore, Maryland 21224
Industry:Financial (410) 342-2600

Type of Shares:Common Shares Filing Date:11/13/96
U.S. Shares:1,400,000 Offer Date:12/20/96
Non-U.S. Shares:0 Filing Range:$10.00 - $12.00
Primary Shares:1,400,000 Offer Price:$12.00
Secondary Shares:0 Gross Spread:$0.84
Offering Amount: $15,400,000 Selling:$0.50
Expenses:$370,000 Reallowance:$0.10
Shares Out After:2,627,263

ManagerTierPhone
Ferris, Baker, Watts Inc.Lead Manager (202) 429-3608

Auditor: KPMG Peat Marwick
9 Month Ending Financials
Audited
Income
Latest
Unaudited
Income
Prior
Unaudited
Income
Balance
Sheet
12/31/95 6/30/96 9/30/95 9/30/96
Revenue:$2.76$5.13$1.75Assets:$94.96
Net Income:-$1.28-$1.53-$0.49Liabilities:$85.78
EPS:-$1.88-$1.24-$0.97Equity:$9.18

Note: Dollar amounts are in U.S. millions; Audited figures expressed as full year,
unaudited figures are partial year

Business Description
The company is a bank holding company that conducts its business in Maryland through its wholly-owned subsidiary, First Mariner Bank. The bank serves the central region of the State of Maryland through 12 full-service branches and 19 Automated Teller Machines.

Use of Proceeds
The proceeds from the proposed offering will be used for general corporate purposes.

Last updated: 12/29/96

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