X0201 4 2003-10-21 0 0000946090 FIRST MARINER BANCORP FMAR 0001029381 O CONNOR JAMES P 3301 BOSTON STREET BALTIMORE MD 21224 1 0 0 0 Stock Option 16.95 2003-10-21 4 A 0 200 0 A 2003-10-21 2013-10-21 COMMON STOCK 200.00 200.00 D One-third of the option is exercisable on the date of grant, one-third of the option is exercisable on the first anniversary of the grant date, and one-third of the option is exercisable on the second anniversary of the grant date. /s/ O'CONOR, JAMES P. 2003-10-21