UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 4 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP ( ) Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instructions 1(b). 1. Name and Address of Reporting Person Keidel, Mark A. First Mariner Bancorp 1801 South Clinton Street Baltimore, MD 21224 USA 2. Issuer Name and Ticker or Trading Symbol First Mariner Bancorp FMAR 3. IRS or Social Security Number of Reporting Person (Voluntary) 4. Statement for Month/Year October 31, 2001 5. If Amendment, Date of Original (Month/Year) 6. Relationship of Reporting Person(s) to Issuer (Check all applicable) ( ) Director ( ) 10% Owner (X) Officer (give title below) ( ) Other (specify below) Senior Vice President and Chief Financial Officer 7. Individual or Joint/Group Filing (Check Applicable Line) (X) Form filed by One Reporting Person ( ) Form filed by More than One Reporting Person

Explanation of Responses: (1) Includes 498 shares of common stock acquired under the Company's employee stock purchase plan. SIGNATURE OF REPORTING PERSON /s/ MARK A. KEIDEL DATE November 7, 2001

FIRST MARINER BANCORP 4