X0201 42003-02-181 0000736473 F&M BANCORP FMBN 0001239779 WINKLER THOMAS R C/O F&M BANCORP, P.O. BOX 518 FREDERICK MD 21705 1000Common Stock2003-02-185J0E0.70530.52A1337.497DCommon Stock2003-05-155J0E0.44548.86A1337.942DCommon Stock2003-08-124D01337.942D0DNon-Qualified Stock Option (right to buy)18.252003-08-124D0916D2000-10-192010-04-19Common Stock9160DNon-Qualified Stock Option (right to buy)25.052003-08-124D0786D2001-10-182011-04-18Common Stock7860DNon-Qualified Stock Option (right to buy)27.12003-08-124D0743D2002-10-172012-04-17Common Stock7430DNon-Qualified Stock Option (right to buy)30.832003-08-124D0420D1999-10-212009-04-21Common Stock4200DThese are shares purchased under the Dividend Reinvestment Plan and are being reported voluntarily on this Form 4 in advance of the filing deadline required by a Form 5.Disposed of pursuant to the Agreement and Plan of Merger, dated as of March 13, 2003, between issuer and Mercantile Bankshares Corporation. Each holder of shares of issuer common stock will be entitled to receive $50.3703 in cash, 1.2470 shares of Mercantile common stock or a combination thereof, subject to allocation provisions.This option was assumed by Mercantile in the merger and replaced with an option to purchase 1,142 shares of Mercantile common stock for $14.6384 per share.This option was assumed by Mercantile in the merger and replaced with an option to purchase 980 shares of Mercantile common stock for $20.0911 per share.This option was assumed by Mercantile in the merger and replaced with an option to purchase 926 shares of Mercantile common stock for $21.7444 per share.This option was assumed by Mercantile in the merger and replaced with an option to purchase 523 shares of Mercantile common stock for $24.7583 per share.Thomas R. Winkler By: /s/ Gordon M. Cooley Attorney-in-fact2003-08-14