UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 5 ANNUAL STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP ( ) Check box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instructions 1(b). ( ) Form 3 Holdings Reported ( ) Form 4 Transactions Reported 1. Name and Address of Reporting Person MANTAKOS, GEORGE H. 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) March 13, 2001 6. Relationship of Reporting Person(s) to Issuer (Check all applicable) (X) Director ( ) 10% Owner (X) Officer (give title below) ( ) Other (specify below) EXECUTIVE VICE PRESIDENT--FIRST MARINER BANCORP; PRESIDENT--FIRST MARINER BANK 7. Individual or Joint/Group Reporting (Check Applicable Line) (X) Form filed by One Reporting Person ( ) Form filed by More than One Reporting Person

Explanation of Responses: (1) Includes 1,214 shares of common stock acquired under the Company's stock purchase plan. (2) One third of the options are exercisable on the date of grant, one third of the options are exercisable on 3/9/01 and one third of the options are exercisable on 3/9/02. SIGNATURE OF REPORTING PERSON /s/ GEORGE H. MANTAKOS DATE March 29, 2001

FIRST MARINER BANCORP 5