UNITED STATES SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549


                                   FORM 10-QSB

(Mark One)
    X        Quarterly Report Pursuant to Section 13 or 15(d) of the Securities
---------    Exchange Act of 1934

             For the quarterly period ended September 30, 2001

________     Transition Report Pursuant to Section 13 or 15(d) of the Securities
             Exchange Act of 1934

             For the transition period from _____ to _____

Commission File Number:  0-23345


                         WYMAN PARK BANCORPORATION, INC.
                         -------------------------------
        (Exact Name of Small Business Issuer as Specified in its Charter)


                DELAWARE                             52-2068893
---------------------------------------              ----------
(State or Other Jurisdiction of                   (I.R.S. Employer
Incorporation or Organization)                    Identification No.)


                11 WEST RIDGELY ROAD, LUTHERVILLE, MARYLAND 21093
                    (Address of Principal Executive Offices)

                                 (410)-252-6450
                                 --------------
               Registrant's Telephone Number, Including Area Code


Check  whether the issuer (1) filed all reports  required to be filed by Section
13 or 15(d)of  the  Exchange  Act during  the  preceding  12 months (or for such
shorter period that the  registrant was required to file such reports),  and (2)
has been subject to such filing requirements for the past 90 days. Yes X No ___

As of November 2, 2001, the issuer had 822,490 shares of Common Stock issued and
outstanding.

Transitional Small Business Disclosure Format (check one):

Yes___   No    X
            -------

<PAGE>
                                    CONTENTS
                                    --------

PART I.   FINANCIAL INFORMATION                                             PAGE
          ---------------------                                             ----
Item I.    Financial Statements

           Consolidated Statements of Financial Condition at
           September 30, 2001 and June 30, 2001............................... 2

           Consolidated Statements of Operations for the Three Month
           Periods ended September 30, 2001 and 2000.......................... 3

           Consolidated Statements of Cash Flows for the Three Month
           Periods Ended September 30, 2001 and 2000.......................... 4

           Notes to Consolidated Financial Statements........................5-6

Item 2.    Management's Discussion and Analysis of Financial Condition and
           Results of Operations............................................7-11


PART II. OTHER INFORMATION
         -----------------

Item 1.  Legal Proceedings....................................................12

Item 2.  Changes in Securities and Use of Proceeds............................12

Item 3.  Defaults Upon Senior Securities......................................12

Item 4.  Submission of Matters to a Vote of Security Holders..................12

Item 5.  Other Information....................................................12

Item 6.  Exhibits and Reports on Form 8-K.....................................12

SIGNATURES....................................................................13

                                       1
<PAGE>
                Wyman Park Bancorporation, Inc. and Subsidiaries
                              Lutherville, Maryland
                 Consolidated Statements of Financial Condition
<TABLE>
<CAPTION>
                                                         September,        June 30,
                                                            2001             2001
                                                       -----------        ---------
                                                               (Unaudited)
         Assets
         ------
<S>                                                    <C>             <C>
Cash and noninterest bearing deposits                  $    475,825    $    882,696
Interest bearing deposits in other banks                    300,045          93,680
Federal funds sold                                        2,558,662       3,455,641
                                                       ------------    ------------
Total cash and cash equivalents                           3,334,532       4,432,017
Loans receivable, net                                    63,159,501      64,712,777
Mortgage-backed securities held to maturity
  at amortized cost, fair value of $137,527 (9/2001)
  and $146,691 (6/2001)                                     135,020         145,796
Federal Home Loan Bank of Atlanta stock, at cost            528,900         528,900
Accrued interest receivable                                 336,389         345,969
Ground rents owned, at cost                                 120,100         122,600
Property and equipment, net                                  73,084          83,069
Federal and state income taxes receivable                        --           6,237
Deferred tax asset                                          217,646         217,646
Prepaid expenses and other assets                            57,679          53,596
                                                       ------------    ------------
Total Assets                                           $ 67,962,851    $ 70,648,607
                                                       ------------    ------------

           Liabilities & Stockholders' Equity
           ----------------------------------

Liabilities:
Demand deposits                                        $  5,054,970    $  5,246,632
Money market and NOW accounts                             8,860,552       9,454,074
Time deposits                                            44,220,228      45,481,277
                                                       ------------    ------------
Total deposits                                           58,135,750      60,181,983
Advance payments by borrowers for taxes,
  insurance and ground rents                                344,889       1,196,077
Accrued interest payable on savings deposits                 12,305          12,544
Federal and state income taxes payable                       34,919          20,455
Accrued expenses and other liabilities                      660,888         556,820
                                                       ------------    ------------
Total liabilities                                        59,188,751      61,967,879

Stockholders' Equity
--------------------
Common stock, par value $.0l per share; authorized
  2,000,000 shares; issued 1,011,713 shares                  10,117          10,117
Additional paid-in capital                                4,149,733       4,149,733
Contra equity - Employee Stock Ownership Plan (ESOP)       (451,008)       (451,008)
Retained earnings, substantially restricted               6,814,198       6,720,826
Treasury Stock; 189,223 shares at
  cost at September 30, 2001 and June 30, 2001           (1,748,940)     (1,748,940)
                                                       ------------    ------------
Total stockholders' equity                                8,774,100       8,680,728

Total liabilities and stockholders' equity             $ 67,962,851    $ 70,648,607
                                                       ------------    ------------
</TABLE>
See accompanying notes to financial statements.

                                        2
<PAGE>
                Wyman Park Bancorporation, Inc. and Subsidiaries
                              Lutherville, Maryland
                      Consolidated Statements of Operation
                                   (Unaudited)


                                             For the Three Months
                                              Ended September 30,
                                               2001         2000
                                               ----         ----
Interest and fees on loans receivable       $1,181,976   $1,218,279
Interest on mortgage-backed securities           2,214        3,305
Interest on other investments                   42,889       51,874
                                            ----------   ----------
  Total interest income                     $1,227,079   $1,273,458
                                            ----------   ----------

Interest on savings deposits                $  721,610   $  685,751
Interest on borrowed money                          --       59,412
Interest on escrow deposits                        388          676
                                            ----------   ----------
  Total interest expense                    $  721,998   $  745,839

 Net interest income before provision
   for loan losses                             505,081      527,619
Provision for loan losses                           --           --
                                            ----------   ----------
  Net interest income                       $  505,081   $  527,619
                                            ----------   ----------

Other Income
------------
  Loan fees and service charges             $   29,328   $   22,107
  Gain on sales of loans receivable              4,775           --
  Other                                          9,116        2,102
                                            ----------   ----------
    Total other income                      $   43,219   $   24,209
                                            ----------   ----------

Noninterest Expenses
--------------------
  Salaries and employee benefits            $  253,175   $  232,674
  Occupancy costs                               26,619       26,483
  Professional services                         12,729       15,327
  Federal deposit insurance premiums             2,707        2,847
  Furniture and fixtures depreciation and
    maintenance                                 10,991       11,719
  Data processing                               20,644       20,671
  Advertising                                    6,779       22,051
  Franchise and other taxes                     12,489       11,466
  Other                                         51,095       47,282
                                            ----------   ----------
    Total noninterest expenses              $  397,228   $  390,520

Income before tax provision                    151,072      161,308

Provision for income taxes                      57,700       62,000
                                            ----------   ----------

    Net Income                              $   93,372   $   99,308
                                            ----------   ----------

    Basic net income per share              $     0.13   $     0.13
    Diluted net income per share            $     0.12   $     0.13


See accompanying notes to financial statements.

                                        3
<PAGE>
                         Wyman Park Bancorporation, Inc.
                                and Subsidiaries
                              Lutherville, Maryland

                      CONSOLIDATED STATEMENTS OF CASH FLOWS
                                   (Unaudited)
<TABLE>
<CAPTION>
                                                               Three Months Ended September 30,
                                                                     2001            2000
                                                                     ----            ----

Cash Flows from operating activities
------------------------------------
<S>                                                              <C>            <C>
  Net income                                                     $    93,372    $    99,308
  Adjustments to reconcile net income to net
    Cash provided by operating activities:
         Depreciation and amortization                                 9,985         10,343
         Amortization of loan fees                                    (8,602)       (21,450)
         Gain on sales of loans receivable                            (4,775)            --
         Loans originated for sale                                  (392,500)            --
         Proceeds from loans originated for sale                     397,275             --
         (Increase) decease in accrued interest receivable             9,580        (13,835)
         Increase in prepaid expenses and other assets                (4,083)       (28,134)
         Increase in accrued expenses and other liabilities          104,068         53,709
         Decrease in federal and state income taxes receivable         6,237         10,999
         Increase in federal and state income taxes payable           14,464         33,000
         Increase (decrease) in accrued interest payable
          on savings deposits                                           (239)           249
         Increase  in accrued interest payable on borrowings              --          7,321
                                                                 -----------    -----------
Net cash provided by operating activities                            224,782        151,510

Cash flows from investing activities
------------------------------------
  Proceeds from sale of ground rents                                   2,500             --
  Net decrease in loans receivable                                 1,793,913        394,705
  Purchase of loan participations                                   (232,035)      (141,375)
  Mortgage-backed securities principal repayments                     10,776          6,449
  Purchases of property and equipment                                     --           (379)
                                                                 -----------    -----------
 Net cash provided by investing activities                         1,575,154        259,400

Cash flows from financing activities
------------------------------------
  Net increase (decrease) in savings deposits                     (2,046,233)       483,269
  Net increase in checks outstanding in excess of
   bank balance                                                           --         84,549
  Increase in borrowings                                                  --      1,000,000
  Decrease in advance payments by borrowers
    for taxes, insurance and ground rents                           (851,188)      (922,884)
  Repurchase of common stock                                              --       (139,133)
                                                                 -----------    -----------
Net cash provided by (used in) financing activities               (2,897,421)       505,801

Net increase (decrease) in cash and cash equivalents             $(1,097,485)   $   916,711
Cash and cash equivalents at beginning of period                   4,432,017      2,085,906
                                                                 -----------    -----------
Cash and cash equivalents at end of period                       $ 3,334,532    $ 3,002,617
                                                                 -----------    -----------

Supplemental information
------------------------
  Interest paid on savings deposits and borrowed funds           $   721,998    $   745,839
  Income taxes paid                                              $    37,000    $    18,000
</TABLE>
See accompanying notes to financial statements.

                                        4
<PAGE>
                WYMAN PARK BANCORPORATION, INC. AND SUBSIDIARIES
                              LUTHERVILLE, MARYLAND
                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
                                   (UNAUDITED)


NOTE 1:           WYMAN PARK BANCORPORATION, INC.

Wyman Park Bancorporation,  Inc. (the "Company") is the holding company of Wyman
Park Federal Savings & Loan  Association  ("Association"),  which converted from
mutual to stock form ("Stock Conversion") and became the wholly owned subsidiary
of the  Company on  January 5, 1998.  All  references  to the  Company  prior to
January 5, 1998,  except where otherwise  indicated are to the Association.  The
Company's  common stock began trading on the OTC  Electronic  Bulletin  Board on
January 7, 1998 under the symbol "WPBC".

The Association is regulated by the Office of Thrift  Supervision  ("OTS").  The
primary  business of the Association is to attract  deposits from individual and
corporate  customers and to originate  residential and commercial mortgage loans
and consumer loans.  The Association  competes with other financial and mortgage
institutions  in attracting and retaining  deposits and originating  loans.  The
Association  conducts  operations  through  its main  office  located at 11 West
Ridgely Road, Lutherville,  Maryland 21093 and one branch office located at 7963
Baltimore-Annapolis Boulevard, Glen Burnie, Maryland 21060.

NOTE 2:  BASIS OF PRESENTATION

The accompanying  unaudited consolidated financial statements have been prepared
in accordance with  instructions  for Form 10-QSB and therefore,  do not include
all  disclosures  necessary  for a complete  presentation  of the  statements of
condition,  statements of operations  and statements of cash flows in conformity
with generally accepted accounting  principles.  However, all adjustments which,
in the opinion of  management,  are necessary for the fair  presentation  of the
interim  financial  statements have been included.  Such  adjustments  were of a
normal  recurring  nature.  The results of operations for the three months ended
September  30, 2001 are not  necessarily  indicative  of the results that may be
expected for the entire year.  Certain prior year amounts have been reclassified
to conform with the current year presentation.

NOTE 3:  CASH AND CASH EQUIVALENTS

For the  purposes of the  statement  of cash flows,  the Company  considers  all
highly liquid investments with maturities at date of purchase of three months or
less to be cash  equivalents.  Cash  equivalents  consist of cash,  non-interest
bearing  deposits,  variable rate interest  bearing  deposits in other banks and
federal funds sold.

                                        5
<PAGE>

NOTE 4:  EARNINGS PER SHARE

Basic  earnings  per share is computed by  dividing  net income by the  weighted
average number of common shares outstanding for the appropriate period. Unearned
Employee  Stock  Ownership  Plan (ESOP)  shares are not included in  outstanding
shares.  Diluted  earnings  per share is computed by dividing  net income by the
weighted average shares outstanding as adjusted for the dilutive effect of stock
options  and  unvested  stock  awards  based  on the  "treasury  stock"  method.
Information relating to the calculations of net income per share of common stock
is summarized for the three months ended September 30, 2001 and 2000 as follows:

                                     Three Months Ended      Three Months Ended
                                     September 30, 2001      September 30, 2000
                                     ------------------      ------------------

Net income                               $ 93,372                  $ 99,308
Weighted average shares
  Outstanding basic EPS                   720,804                   757,936
Dilutive items
  Stock options                            40,739                    27,942
  Unvested stock awards                     1,362                       935
Adjusted weighted average shares
   Outstanding used for diluted EPS       762,905                   786,813


NOTE 5:  REGULATORY CAPITAL REQUIREMENTS

Under OTS  regulations,  the Association must maintain capital at least equal to
specified  percentage of its assets.  The  Association's  assets and capital for
these  purposes are subject to OTS  regulatory  definition,  and the  percentage
levels vary depending on the capital levels being measured.  The following table
presents the  Association's  capital  position  based on the  September 30, 2001
financial statements.
<TABLE>
<CAPTION>
                                                                                         To Be Well
                                                                                     Capitalized Under
                                                              For Capital            Prompt Corrective
                                       Actual              Adequacy Purposes         Action Provisions
                              -----------------------      ------------------        -----------------
                              Amount          Ratio         Amount     Ratio         Amount       Ratio
                              ------          -----         ------     -----         ------       -----
<S>                       <C>                 <C>         <C>           <C>         <C>             <C>
Total Capital (to
 Risk Weighted
 Assets)                  $  8,434,166        21.2%       $3,182,891    8.0%        $3,978,614      10.0%
Tier I capital (to
 Risk Weighted
 Assets)                     8,150,211        20.5%        1,591,445    4.0%         2,387,168       6.0%
Tier 1 Capital (to
 Average Assets)             8,150,211        12.0%        2,718,732    4.0%         3,398,416       5.0%
</TABLE>
                                        6
<PAGE>


ITEM 2: MANAGEMENT'S  DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS
        OF OPERATIONS.

FORWARD-LOOKING STATEMENTS

When  used  in this  filing  and in  future  filings  by the  Company  with  the
Securities  and Exchange  Commission,  in the Company's  press releases or other
public  or  shareholder  communications,  or in oral  statements  made  with the
approval of an authorized  executive  officer,  the words or phrases "would be,"
"will  allow,"  "intends  to," "will likely  result,"  "are  expected to," "will
continue," "is anticipated,"  "estimate,"  "project" or similar  expressions are
intended  to  identify  "forward-looking  statements"  within the meaning of the
Private Securities Litigation Reform Act of 1995. Such statements are subject to
risks and  uncertainties,  including  but not  limited to  changes  in  economic
conditions  in the  Company's  market  area,  changes in policies by  regulatory
agencies,  fluctuations  in interest  rates,  demand for loans in the  Company's
market area and competition,  all or some of which could cause actual results to
differ  materially from historical  earnings and those presently  anticipated or
projected.

The Company  wishes to caution  readers not to place undue  reliance on any such
forward-looking  statements,  which speak only as of the date made,  and advises
readers  that  various  factors,   including   regional  and  national  economic
conditions,  substantial  changes in levels of market interest rates, credit and
other risks of lending and investment  activities and competitive and regulatory
factors,  could affect the Company's  financial  performance and could cause the
Company's  actual  results for future  periods to differ  materially  from those
anticipated or projected.

The Company does not undertake,  and specifically disclaims any obligations,  to
update any  forward-looking  statements to reflect  occurrences or unanticipated
events or circumstances after the date of such statements.

                                        7
<PAGE>

COMPARISON OF FINANCIAL CONDITION AT SEPTEMBER 30, 2001 AND JUNE 30, 2001

The  Company's  assets  decreased  $2.6  million  or 3.7% to  $68.0  million  at
September  30,  2001  from  $70.6  million  at June  30,  2001.  Cash  and  cash
equivalents  decreased  $1.1 million or 25.0% to $3.3  million at September  30,
2001 from $4.4 million at June 30, 2001,  primarily as a result of a decrease in
savings  deposits,  and a decrease in advance  payments by borrowers  for taxes,
insurance and ground rents,  partially offset by a decrease in loans receivable.
Savings  deposits  decreased  $2.1 million or 3.5% to $58.1 million at September
30, 2001 from $60.2 million at June 30, 2001.  The Company  believes the deposit
decline is the result of customer  reaction  to reduced  deposit  rates,  as the
Company seeks to manage its net interest  margin.  Advance payments by borrowers
for taxes, insurance and ground rents decreased $900,000 or 75.0% to $300,000 at
September  30,  2001 from $1.2  million  at June 30,  2001 as the  result of the
payment of real estate taxes.  Net loans  receivable  decreased  $1.5 million or
2.3% to $63.2  million at September 30, 2001 from $64.7 million at June 30, 2001
as a result of normal  amortization  and payoffs.  The  Company's  stockholders'
equity increased $93,000 or 1.1% to $8.8 million at September 30, 2001 from $8.7
million  at June 30,  2001 as a result of net  income of  $93,000  for the three
months ended September 30, 2001.

COMPARISON  OF OPERATING  RESULTS FOR THE QUARTER  ENDED  SEPTEMBER 30, 2001 AND
SEPTEMBER 30, 2000

Net Income
----------

The Company  reported net income of $93,000 for the quarter ended  September 30,
2001  compared to $99,000 for the quarter ended  September 30, 2000.  The $6,000
decrease in net income was primarily due to a decrease in net interest income of
$23,000, offset by an increase in noninterest income of $19,000.

Interest Income
---------------

Total interest income decreased by $46,000 or 3.6% to $1,227,000 for the quarter
ended  September 30, 2001 from  $1,273,000  for the quarter ended  September 30,
2000.  The decrease in total  interest  income for the  comparable  three months
periods was due  primarily  to a decrease of $600,000 in the average  balance of
interest-earning  assets to $67.5 million from $68.1 million,  and a decrease of
21 basis points in the average  yield on  interest-earning  assets to 7.27% from
7.48%.

The decrease in the average balance of interest-earning assets was due primarily
to a decrease in average loans receivable of $1.3 million as a result of payoffs
and  regular  loan  amortization,  partially  offset by an  increase  in average
federal funds sold and other interest earning assets of $700,000.

                                        8
<PAGE>

Interest Expense
----------------

Total interest expense  decreased by $24,000 or 3.2% to $722,000 for the quarter
ended September 30, 2001 from $746,000 for the quarter ended September 30, 2000.
The decrease in total interest  expense for the comparable  three months periods
was  due  primarily  to a  decrease  of  $200,000  in  the  average  balance  of
interest-bearing  liabilities to $58.7 million from $58.9 million and a decrease
of 14 basis points in the average yield on interest-bearing liabilities to 4.92%
from 5.06%.

The decrease in the average balance of interest-bearing liabilities was due to a
decrease in average  borrowings of $3.5 million for the three months  comparable
periods,  partially offset by an increase of $3.3 million in the average balance
of savings deposits for the three months comparable periods.

Net Interest Income
-------------------

The Company's net interest  income  decreased by $23,000 or 4.4% to $505,000 for
the quarter  ended  September  30,  2001 from  $528,000  for the  quarter  ended
September 30, 2000.  The decrease in net interest  income was primarily due to a
decline in  interest  income in a greater  amount  than the  decline in interest
expense.   This  is   reflected   in  a   decrease   in  the  ratio  of  average
interest-earning assets to average  interest-bearing  liabilities to 114.9% from
115.6%,  as the Company  decreased  its average loans  receivable.  This is also
reflected in the Company's net interest margin,  which decreased 11 basis points
to 2.99% from 3.10%.

Provision For Loan Losses
-------------------------

Management  monitors its  allowance  for loan losses and makes  additions to the
allowance,  through the provision for loan losses,  as economic  conditions  and
other factors dictate. Among the other factors considered by management are loan
volume,  type of  collateral  and prior loan loss  experience.  During the three
months ended September 30, 2001 and September 30, 2000, the Company  recorded no
provision for loan losses. The Company's  nonperforming loans as a percentage of
loans  receivable  was 0.23% and 0.14% at September 30, 2001, and June 30, 2001,
respectively, all consisting of single-family residential mortgage loans.

Noninterest Income
------------------

Total  noninterest  income  increased  by $19,000  or 79.2% to  $43,000  for the
quarter ended  September  30, 2001 from $24,000 for the quarter ended  September
30, 2000. The increase in noninterest income was due primarily to an increase of
$7,000 in service  fees on checking  accounts  to $21,000 for the quarter  ended
September 30, 2001 from $14,000 for the quarter

                                        9
<PAGE>

ended  September  30,  2000,  an  increase  of  $5,000 on gain of sales of loans
receivable  to $5,000 for the quarter  ended  September 30, 2001 from $0 for the
quarter  ended  September  30, 2000 and an increase of $7,000 in other income to
$9,000 for the  quarter  ended  September  30,  2001 from $2,000 for the quarter
ended September 30, 2000 due to sales of annuities and miscellaneous fees.

Noninterest Expenses
--------------------

Total  noninterest  expenses  increased  by $6,000 or 1.5% to  $397,000  for the
quarter ended  September 30, 2001 from $391,000 for the quarter ended  September
30, 2000. The increase in noninterest  expenses was primarily due to an increase
in salaries and employee benefits of $20,000 or 8.6% to $253,000 for the quarter
ended  September 30, 2001 from $233,000 for the quarter ended September 30, 2000
as a result of staff additions.

Liquidity and Capital Resources
-------------------------------

Liquidity  management for the Company is both an ongoing and long-term  function
of  the  Company's  asset/liability  management  strategy.  Excess  funds,  when
applicable, generally are invested in overnight deposits at a correspondent bank
and at the Federal Home Loan Bank (FHLB) of Atlanta.  Currently when the Company
requires funds,  beyond its ability to generate deposits,  additional sources of
funds are available, as advances or borrowings, through the FHLB of Atlanta. The
Company  has the  ability to pledge its FHLB of Atlanta  stock or certain  other
assets as  collateral  for up to $13.6 million in advances.  The Company's  most
liquid  assets  are  cash  and  cash  equivalents,   which  include   short-term
investments.  The  levels  of  these  assets  are  dependent  on  the  Company's
operating,  financing  and  investing  activities  during any given  period.  At
September  30, 2001,  the Company's  cash on hand,  interest  bearing  deposits,
Federal funds sold and short-term  investments totaled $3.3 million.  Management
and the Board of  Directors  believe that the  Company's  liquidity is adequate,
including its ability to secure  advances  from the FHLB of Atlanta,  to satisfy
its loan commitments of approximately $2.8 million as of September 30, 2001.

The Company's principal sources of funds are deposits, loan repayments and other
funds  provided by  operations.  Certificates  of deposit which are scheduled to
mature  in less than one year at  September  30,  2001  totaled  $27.4  million.
Historically,  a high  percentage  of maturing  deposits  have remained with the
Company.  While  scheduled loan repayments are relatively  predictable,  deposit
flows and early loan prepayments are more influenced by interest rates,  general
economic conditions,  and competition.  The Association maintains investments in
liquid  assets based upon  management's  assessment  of (1) need for funds,  (2)
expected deposit flows, (3) yields available on short-term liquid assets and (4)
objectives of the asset/liability management program.

The Company's  primary source of cash in investing  activities  during the three
months  ended  September  30, 2001 was a net  decrease of $1.8  million in loans
receivable.

                                       10
<PAGE>

The  Company's  primary  uses of cash in financing  activities  during the three
months ended  September 30, 2001  consisted of a net decrease of $2.1 million in
savings deposits and a net decrease of $900,000 in advance payments by borrowers
for taxes, insurance and ground rents.

                                       11
<PAGE>

PART II. OTHER INFORMATION

ITEM 1.  LEGAL PROCEEDINGS
         None.

ITEM 2.  CHANGES IN SECURITIES AND USE OF PROCEEDS
         None.

ITEM 3.  DEFAULTS UPON SENIOR SECURITIES
         None.

ITEM 4.  SUBMISSION OF MATTERS TO A VOTE OF SECURITY-HOLDERS
         None

ITEM 5.  OTHER INFORMATION
         None

ITEM 6.  EXHIBITS AND REPORTS ON FORM 8-K
         (a)  Reports on Form 8-K
              None

                                       12
<PAGE>
                                   Signatures


In accordance with the requirements of the Securities  Exchange Act of 1934, the
registrant  caused  this  report to be signed on its  behalf by the  undersigned
thereunto duly authorized.




                                   WYMAN PARK BANCORPORATION, INC.
                                   Registrant


Date:  November 2, 2001            /s/ Ernest A. Moretti
                                   ------------------------------------
                                   Ernest A. Moretti
                                   President and Chief Executive Officer
                                   (Principal Executive Officer)


Date:  November 2, 2001            /s/ Ronald W. Robinson
                                   -------------------------------------
                                   Ronald W. Robinson
                                   Treasurer
                                   (Principal Financial and Accounting Officer)

                                       13