EXHIBIT 10.14(c)

                                 LEASE AMENDMENT

     This LEASE AMENDMENT ("Amendment) dated as of 01/01 2003 is made by and
between CHESTERFIELD PLAZA JOINT VENTURE (hereinafter called "Landlord") and
CHESAPEAKE BANK OF MARYLAND, successor in interest to Chesapeake Federal Savings
and Loan Association, (hereinafter called "Tenant").

     WHEREAS, Tenant is leasing from Landlord approximately 1,260 square feet
located in the property known as 8095-G Edwin Raynor Blvd, Pasadena, Maryland
pursuant to the Lease Agreement as Amended ("Original Leases"), dated September
22, 1987 by and between Landlord and Tenant and whereas the parties now desire
that the Original Leases shall be amended as set forth herein:

     Now, Therefore, in consideration of the mutual covenants contained herein
and other good and valuable consideration, the receipt and sufficiency of which
is hereby acknowledged, the parties agree that this Lease Amendment hereby
modifies the terms of the Original Leases as set forth herein;

     1.   Defined Terms.

          Except as otherwise specifically defined herein, all terms shall have
          the same meaning as was ascribed to such terms in the Original Leases.

     2.   Renewal Period.

          The term shall be for three (3) years, commencing on December 1, 2002
          and expiring on November 30, 2005, unless otherwise terminated or
          further extended.

     3.   Rent.

          Tenants covenant and agree to pay to Landlord as rental for the entire
          Premises during the Renewal Period the following, namely:

                                    Annual Rent             Monthly Rent
                                    -----------             ------------
          12/1/02- 11/30/05         $37,420.67              $3,118.39

     4.   Option to Terminate.

          If Tenant is not then in default under this Lease or any of the
          provisions hereof, Tenant may Terminate the Lease by giving Landlord
          Twelve (12) months written notice at any time during the Renewal
          Period. The Lease

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          will Terminate at the end of the calendar month that occurs 12 months
          after the date of notice.

     Except as otherwise modified herein, all provisions of the Original Leases
shall remain in full force and effect and, by their signature below, are hereby
ratified and confirmed by the parties hereto

     IN WITNESS WHEREOF, the parties hereto have executed this Amendment as of
the date of the year first above written.

                                         LANDLORD:

                                         CHESTERFIELD PLAZA JOINT VENTURE



______________________________          BY______________________(SEAL)
WITNESS

                                         TENANT:

                                         CHESAPEAKE BANK OF MARYLAND

______________________________           /s/ Gail E. Smith      (SEAL)
WITNESS                                  -----------------------

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