X0201 4 2004-04-16 0 0000772349 AMERICAN BUSINESS FINANCIAL SERVICES INC /DE/ ABFI 0001279554 SANTILLI BEVERLY THE WANAMAKER BLDG 100 PENN SQUARE EAST 8TH FL PHILADELPHIA PA 19107 0 1 1 0 First Executive Vice President Common Stock 2004-04-16 4 G 0 100 D 1098916 D Common Stock 2004-04-16 4 G 0 2980 D 1095936 D Common Stock 2004-04-16 4 G 0 2980 D 1092956 D Common Stock 2004-04-16 4 G 0 5960 A 16945 I Trust for Son. Gifted from shares held jointly with husband Anthony J. Santilli, Jr. The same transaction is reported on Anthony J. Santilli, Jr. (husband) Form 4 of the same date. Shares held jointly with husband Anthony J. Santilli, Jr. Shares transferred from joint ownership with husband to Reporting Person, individually, then to a trust for the benefit of son. The same transaction is reported on Anthony J. Santilli, Jr. (husband) Form 4 of the same date. Shares transferred from joint ownership with husband to husband, individually, then to a trust for the benefit of son. The same transaction is reported on Anthony J. Santilli, Jr. (husband) Form 4 of the same date. Represents the sum of shares reported in footnote (3) and footnote (4). /s/ Beverly Santilli 2004-04-20