X0201 4 2003-11-10 0 0000868271 SEVERN BANCORP INC SVBI 0001224576 MEEKINS MELVIN E JR 1919 A WEST STREET ANNAPOLIS MD 21401 1 0 0 0 Common Stock 2003-11-10 4 P 0 175 30.9 A 203730 D Mr. Meekins claims indirect beneficial ownership of 46,110 shares of common stock of Severn Bancorp, Inc. which are owned through the Severn Savings Bank, FSB Employee Stock Ownership Plan (ESOP). The ESOP has 390,193 shares outstanding of which 46,110 have been allocated to Mr. Meekins as of 12/31/02. Mr. Meekins is a co-trustee of the ESOP, and along with other co-trustees, he may vote the ESOP's shares. Melvin E. Meekins, Jr. 2003-11-10