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 KABIK, MELVIN S FIRST MARINER BANCORP 1801 S. 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 DECEMBER 31, 2000 5. If Amendment, Date of Original (Month/Year) 6. Relationship of Reporting Person(s) to Issuer (Check all applicable) (X) Director ( ) 10% Owner ( ) Officer (give title below) ( ) Other (specify below) 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 1005 SHARES RECEIVED AS A STOCK DIVIDEND THAT WAS DECLARED ON MAY 12, 1998 AND PAID TO STOCKHOLDERS OF RECORD ON MAY 26, 1998. SIGNATURE OF REPORTING PERSON /s/ MELVIN S. KABIK DATE JANUARY 10, 2001

FIRST MARINER BANCORP 4