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 December 31, 2002

---  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 February 5, 2003, the issuer had 822,490 shares of Common Stock issued and
outstanding.

Transitional Small Business Disclosure Format (check one):

Yes___   No    X
            -------

<PAGE>
<TABLE>
<CAPTION>



                                    Contents

Part I. Financial Information                                                     Page
        ---------------------                                                     ----

<S>     <C>                                                                      <C>
Item I. Financial Statements

        Consolidated Statements of Financial Condition at
        December 31, 2002 and June 30, 2002.....................................     2

        Consolidated Statements of Operations for the Three Month and Six
        Month Periods ended December 31, 2002 and 2001.... ................          3

        Consolidated Statements of Cash Flows for the Six Month
        Periods Ended December 31, 2002 and 2001..............................       4

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

Item 2. Management's Discussion and Analysis of Financial Condition and
        Results of Operations...................................................  7-12

Item 3.  Controls and Procedures................................................    12


Part II. Other Information
         -----------------

Item 1.  Legal Proceedings......................................................    13

Item 2.  Changes in Securities and Use of Proceeds..............................    13

Item 3.  Defaults Upon Senior Securities........................................    13

Item 4.  Submission of Matters to a Vote of Security Holders....................    13

Item 5.  Other Information......................................................    14

Item 6.  Exhibits and Reports on Form 8-K.......................................    14



Signatures......................................................................    15


Certifications.................................................................  16-17

</TABLE>

                                        1

<PAGE>

                Wyman Park Bancorporation, Inc. and Subsidiaries
                              Lutherville, Maryland
                 Consolidated Statements of Financial Condition
<TABLE>
<CAPTION>

                                                       December 31,       June 30,
                                                           2002             2002
                                                           ----             ----
                                                       (Unaudited)
         Assets
         ------

<S>                                                    <C>             <C>
Cash and noninterest bearing deposits                  $    930,845    $    263,180
Interest bearing deposits in other banks                  5,076,558       3,516,191
Federal funds sold                                        6,545,009       4,641,478
                                                       ------------    ------------
Total cash and cash equivalents                          12,552,412       8,420,849
Investments                                               4,025,434              --
Loans receivable, net                                    51,929,775      61,072,782
Mortgage-backed securities held to maturity
  at amortized cost, fair value of $96,289 (12/2002)
  and $111,684 (6/2002)                                      95,599         109,306
Federal Home Loan Bank of Atlanta stock, at cost            528,900         528,900
Accrued interest receivable                                 214,650         319,109
Ground rents owned, at cost                                 120,100         120,100
Property and equipment, net                                  73,346          92,141
Federal and state income taxes receivable                     7,719              --
Deferred tax asset                                          216,740         216,740
Prepaid expenses and other assets                           325,503         131,504
                                                       ------------    ------------
Total Assets                                           $ 70,090,178    $ 71,011,431
                                                       ------------    ------------

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

Liabilities:
Demand deposits                                        $  5,701,961    $  5,649,688
Money market and NOW accounts                            10,624,565      10,097,757
Time deposits                                            43,073,503      44,240,930
                                                       ------------    ------------
Total deposits                                           59,400,029      59,988,375
Advance payments by borrowers for taxes,
  insurance and ground rents                                430,463       1,104,059
Accrued interest payable on savings deposits                  7,059           9,650
Federal and state income taxes payable                        4,066          14,643
Accrued expenses and other liabilities                      649,000         532,045
                                                       ------------    ------------
Total liabilities                                        60,490,617      61,648,772

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                                4,264,703       4,264,703
Contra equity - Employee Stock Ownership Plan (ESOP)       (366,126)       (366,126)
Retained earnings, substantially restricted               7,439,807       7,202,905
Treasury Stock; 189,223 shares at cost at
  December 31, 2002 and  June 30, 2002                   (1,748,940)     (1,748,940)
                                                       ------------    ------------
Total stockholders' equity                                9,599,561       9,362,659
                                                       ------------    ------------

Total liabilities and stockholders' equity             $ 70,090,178    $ 71,011,431
                                                       ------------    ------------
See accompanying notes to financial statements

</TABLE>





                                        2

<PAGE>
<TABLE>
<CAPTION>



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


                                                   For the Six Months              For the Three Months
                                                   Ended December 31,              Ended December 31,
                                                   2002           2001             2002           2001
                                                   ----           ----             ----           ----

<S>                                            <C>             <C>             <C>             <C>
Interest and fees on loans receivable          $2,033,718      $2,333,405      $  993,377      $1,151,429
Interest on mortgage-backed securities              2,291           4,336           1,108           2,122
Interest on investment securities                  25,434             -            14,797             -
Interest on other investments                      76,441          81,324          41,178          38,435
                                               ----------      ----------      ----------      ----------
  Total interest income                        $2,137,884      $2,419,065      $1,050,460      $1,191,986
                                               ----------      ----------      ----------      ----------

Interest on savings deposits                   $1,040,007      $1,384,420      $  497,693      $  662,810
Interest on escrow deposits                           521             648             200             260
                                               ----------      ----------      ----------      ----------
  Total interest expense                       $1,040,528      $1,385,068      $  497,893      $  663,070

 Net interest income before provision
   for loan losses                              1,097,356       1,033,997         552,567         528,916
Provision for loan losses                             -               165             -               165
                                               ----------      ----------      ----------      ----------
  Net interest income                          $1,097,356      $1,033,832      $  552,567      $  528,751
                                               ----------      ----------      ----------      ----------

Other Income
------------
  Loan fees and service charges                $   35,797      $   54,674      $   14,220      $   25,346
  Gain on sales of loans receivable                 3,850          24,098           2,200          19,323
  Other                                            40,247          21,275          32,036          12,159
                                               ----------      ----------      ----------      ----------
    Total other income                         $   79,894      $  100,047      $   48,456      $   56,828
                                               ----------      ----------      ----------      ----------

Noninterest Expenses
--------------------
  Salaries and employee benefits               $  493,442      $  483,004      $  225,538      $  229,829
  Occupancy costs                                  45,397          51,185          22,023          24,566
  Professional services                            36,546          33,036          22,302          20,307
  Federal deposit insurance premiums                5,131           5,501           2,570           2,794
  Furniture and fixtures depreciation and
    maintenance                                    31,756          20,499          17,085           9,508
 Data processing                                   41,915          40,907          20,620          20,263
  Advertising                                      11,967          15,319           8,078           8,540
  Franchise and other taxes                        17,599          19,172           7,935           6,683
  Other                                            99,228         109,491          52,430          58,396
                                               ----------      ----------      ----------      ----------
    Total noninterest expenses                 $  782,981      $  778,114      $  378,581      $  380,886

Income before tax provision                       394,269         355,765         222,442         204,693

Provision for income taxes                        157,367         140,016          90,367          82,316
                                               ----------      ----------      ----------      ----------

    Net Income                                 $  236,902      $  215,749      $  132,075      $  122,377
                                               ----------      ----------      ----------      ----------

    Basic net income per share                 $     0.32      $     0.30      $     0.18      $     0.17
    Diluted net income per share               $     0.28      $     0.28      $     0.15      $     0.16
</TABLE>


See accompanying notes to financial statements.


                                        3


<PAGE>



                         Wyman Park Bancorporation, Inc.
                                and Subsidiaries
                              Lutherville, Maryland

                      CONSOLIDATED STATEMENTS OF CASH FLOWS
                                   (Unaudited)
<TABLE>
<CAPTION>
                                                                Six Months Ended December 31,
                                                                -----------------------------
                                                                      2002           2001
                                                                      ----           ----


<S>                                                             <C>             <C>
Cash Flows from operating activities
  Net income                                                    $    236,902    $    215,749
  Adjustments to reconcile net income to net
    Cash provided by operating activities:
         Depreciation and amortization                                19,287          19,572
         Non-cash compensation under stock based benefit plan            -            (3,022)
         Amortization of loan fees                                   (82,747)        (32,301)
         Provision for loan loss                                         -               165
         Gain on sales of loans receivable                            (3,850)        (24,098)
         Loans originated for sale                                  (385,000)     (1,310,350)
         Proceeds from loans originated for sale                     388,850       1,334,448
         Decease in accrued interest receivable                      104,459          55,571
         Increase in prepaid expenses  and other assets             (193,999)        (18,082)
         Increase in accrued expenses and other liabilities          116,955         118,835
         Increase in federal and sate income taxes receivable         (7,719)         (5,854)
         Decrease in federal and state income taxes payable          (10,577)        (17,562)
         Decrease in accrued interest payable on
           savings deposits                                           (2,591)         (3,867)
                                                                ------------    ------------


Net cash provided by operating activities                            179,970         329,104

Cash flows from investing activities
------------------------------------
  Increase in investments                                         (4,025,434)     (2,509,778)
  Proceeds from sale of ground rents                                     -             2,500
  Net decrease in loans receivable                                10,081,252       4,107,162
  Purchase of loan participations                                   (855,498)     (1,652,351)
  Mortgage-backed securities principal repayments                     13,707          17,263
  Purchases of property and equipment                                   (492)        (11,209)

 Net cash provided by  (used in) investing activities              5,213,535         (46,413)

Cash flows from financing activities
------------------------------------
  Net decrease in savings deposits                                  (588,346)     (1,870,951)
  Decrease in advance payments by borrowers
    for taxes, insurance and ground rents                           (673,596)       (688,019)
  Repurchase of common stock                                             -               -
                                                                ------------    ------------


Net cash used in financing activities                             (1,261,942)     (2,558,970)

Net increase (decrease) in cash and cash equivalents            $  4,131,563    $ (2,276,279)
Cash and cash equivalents at beginning of period                   8,420,849       4,432,017
                                                                ------------    ------------


Cash and cash equivalents at end of period                      $ 12,552,412    $  2,155,738
                                                                ------------    ------------


Supplemental information
------------------------
  Interest paid on savings deposits and borrowed funds          $  1,040,528    $  1,385,069

  Income taxes paid                                             $    137,860    $    147,000
</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 six months ended
December  31, 2002 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

D

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 and six months ended  December 31, 2002 and
2001 as follows:
<TABLE>
<CAPTION>

                                           Three Months Ended           Six Months Ended
                                              December 31,                 December 31,

                                           2002          2001          2002          2001
                                         ----------------------      ----------------------
<S>                                      <C>           <C>           <C>           <C>
Net income                               $132,075      $122,377      $236,902      $215,749
Weighted average shares
  Outstanding basic EPS                   750,081       724,731       748,209       722,767
Dilutive items
  Stock options                           102,437        49,328       101,586        44,450
  Unvested stock awards                     4,007         2,604         3,931         1,898
Adjusted weighted average shares
   Outstanding used for diluted EPS       856,525       776,663       853,726       769,115
</TABLE>


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  December 31, 2002
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)                $9,272,477        25.0%    $2,963,621        8.0%    $3,704,526        10.0%
Tier I capital (to
 Risk Weighted
 Assets)                 8,988,849        24.3%     1,481,810        4.0%     2,222,716         6.0%
Tier 1 Capital (to
 Average Assets)         8,988,849        12.9%     2,796,596        4.0%     3,495,746         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.

Merger Agreement With Bradford Bank

On July 9, 2002, the Company entered into a Merger Agreement with Bradford Bank,
whereby  Bradford Bank will purchase all the  outstanding  shares of the Company
for  $14.55  per share in cash.  Bradford  Bank will also pay  $14.55,  less the
respective  exercise price, for each outstanding stock option.  The merger price
is subject to reduction to the extent that the cost of the Company's termination
of its defined  benefit pension plan, as part of the merger,  exceeds  $100,000.
The  Company's  stockholders  approved  the merger at the  Annual  Stockholders'
Meeting on October 16, 2002. The Office of Thrift Supervision (OTS) approved the
merger on December 19, 2002. The merger is expected to occur in February 2003.






                                        7


<PAGE>


Comparison of Financial Condition at December 31, 2002 and June 30, 2002

The Company's assets decreased $900,000 or 1.3% to $70.1 million at December 31,
2002 from $71.0 million at June 30, 2002.  Cash and cash  equivalents  increased
$4.2 million or 50.0% to $12.6 million at December 31, 2002 from $8.4 million at
June  30,  2002,  primarily  as a result  of a  decrease  in loan  originations.
Investments  increased  $4.0  million at  December  31, 2002 from $0 at June 30,
2002,  as cash from loan  payments and loan  payoffs were instead  invested in a
cash management  fund. Net loans  receivable  decreased $9.2 million or 15.1% to
$51.9  million at  December  31,  2002 from $61.1  million at June 30, 2002 as a
result of normal  amortization and payoffs.  Savings deposits decreased $588,000
or 1.0% to $59.4  million at December  31,  2002 from $60.0  million at June 30,
2002.  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  $670,000 or 60.9% to  $430,000 at December  31, 2002 from $1.1
million at June 30, 2002 as the result of the  payment of  escrowed  real estate
taxes. The Company's  stockholders'  equity  increased  $237,000 or 2.5% to $9.6
million at December  31, 2002 from $9.4  million at June 30, 2002 as a result of
net income of $237,000 for the six months ended December 31, 2002.

Comparison  of Operating  Results for the Quarter and Six Months Ended  December
31, 2002 and December 31, 2001

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

The Company  reported net income of $132,000 for the quarter ended  December 31,
2002 compared to $122,000 for the quarter ended  December 31, 2001.  The $10,000
increase in net income was primarily  due to an increase in net interest  income
of  $24,000,  offset by a  decrease  in  non-interest  income  of $8,000  and an
increase in provision for income taxes of $8,000.

The Company's net income for the six months ended December 31, 2002 was $237,000
compared to $216,000  for the six months ended  December  31, 2001.  The $21,000
increase in net income was primarily  due to an increase in net interest  income
of  $63,000,  offset by a decrease  in  non-interest  income of  $20,000  and an
increase in provision for income taxes of $17,000.

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

Total  interest  income  decreased  by $142,000 or 11.9% to  $1,050,000  for the
quarter ended  December 31, 2002 from  $1,192,000 for the quarter ended December
31, 2001. The decrease in total interest income for the comparable  three months
periods was due  primarily to a decrease of 84 basis points in the average yield
on  interest-earning  assets  to 6.18%  from  7.02%,  as a result  of  declining
interest rates.

                                       8


<PAGE>

 Total interest income decreased by $281,000 or 11.6% to $2,138,000 for the six
months ended December 31, 2002 from $2,419,000 for the six months ended December
31, 2001.  The decrease in total  interest  income for the comparable six months
periods was due  primarily to a decrease of 84 basis points in the average yield
on  interest-earning  assets  to 6.28%  from  7.12%,  as a result  of  declining
interest rates.

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

Total  interest  expense  decreased  by $165,000  or 24.9% to  $498,000  for the
quarter ended December 31, 2002 from $663,000 for the quarter ended December 31,
2001.  The decrease in total interest  expense for the  comparable  three months
periods was due primarily to a decrease of 118 basis points in the average yield
on  interest-bearing  liabilities  to 3.36% from 4.54%,  partially  offset by an
increase of $900,000 in the average balance of  interest-bearing  liabilities to
$59.3 million from $58.4 million.

The increase in the average balance of  interest-bearing  liabilities was due to
an increase of $900,000 in the average balance of savings deposits for the three
months comparable periods.

Total interest expense  decreased by $344,000 or 24.8% to $1,041,000 for the six
months ended December 31, 2002 from $1,385,000 for the six months ended December
31, 2001. The decrease in total  interest  expense for the comparable six months
periods was due primarily to a decrease of 123 basis points in the average yield
on  interest-bearing  liabilities  to 3.50% from 4.73%,  partially  offset by an
increase of $900,000 in the average balance of  interest-bearing  liabilities to
$59.4 million from $58.5 million.

The increase in the average balance of interest-bearing liabilities was due to a
an increase of $900,000 in the average  balance of savings  deposits for the six
months comparable periods.

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

The Company's net interest income increased  $24,000 or 4.5% to $553,000 for the
quarter ended December 31, 2002 from $529,000 for the quarter ended December 31,
2001. This was the result of the decline in interest expense in a greater amount
than the decline in interest  income.  This is  reflected in the  Company's  net
interest margin, which increased 13 basis points to 3.25% from 3.12%.

The Company's net interest  income  increased  $63,000 or 6.1% to $1,097,000 for
the six months ended December 31, 2002 from  $1,034,000 for the six months ended
December 31, 2001.  The increase in net interest  income was  primarily due to a
decline in  interest  expense in a greater  amount  than the decline in interest
income. This is reflected in the Company's net interest margin,  which increased
18 basis points to 3.22% from 3.04% for the comparable six month periods.

                                        9

<PAGE>

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 and six months ended December 31, 2002, the Company recorded no provision
for loan losses. The Company's nonperforming loans as a percentage of loans
receivable was 0.08% and 0.10% at December 31, 2002, and June 30, 2002,
respectively, all consisting of single-family residential mortgage loans.

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

Total noninterest income decreased by $9,000 or 15.8% to $48,000 for the quarter
ended  December 31, 2002 from $57,000 for the quarter  ended  December 31, 2001.
The decrease in noninterest income was due primarily to a decrease of $11,000 in
service fees on checking  accounts to $14,000 for the quarter ended December 31,
2002 from  $25,000 for the  quarter  ended  December  31, 2001 and a decrease of
$17,000 in gain on sales of loans  receivable  to $2,000 for the  quarter  ended
December  31,  2002 from  $19,000  for the  quarter  ended  December  31,  2001,
partially  offset by an increase  of $20,000 in other  income to $32,000 for the
quarter ended  December 31, 2002 from $12,000 for the quarter ended December 31,
2001 due to sales of annuities and miscellaneous fees.

Total  noninterest  income  decreased by $20,000 or 20.0% to $80,000 for the six
months ended  December  31,2002 from $100,000 for the six months ended  December
31, 2001. The decrease in noninterest  income was due primarily to a decrease of
$19,000 in service fees on checking accounts to $36,000 for the six months ended
December 31, 2002 from $55,000 for the six months ended  December 31, 2001 and a
decrease of $20,000 in gain on sales of loans  receivable  to $4,000 for the six
months ended  December  31, 2002 from $24,000 for the six months ended  December
31, 2001,  partially offset by an increase of $19,000 in other income to $40,000
for the six months  ended  December  31,  2002,  from $21,000 for the six months
ended December 31, 2001, due to sales of annuities and  miscellaneous  fees. The
decrease  in gain on sales of loans  receivable  during both the three month and
six month periods was due to the corresponding decline in loan originations,  as
the  Company's  lending  activity  has  been   concentrated   primarily  in  the
refinancing area.

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

Total  noninterest  expenses  decreased  by $2,000 or 0.5% to  $379,000  for the
quarter ended December 31, 2002 from $381,000 for the quarter ended December 31,
2001.  The decrease in  noninterest  expenses was primarily due to a decrease in
salaries  and  employee  benefits  of $4,000 to $226,000  for the quarter  ended
December 31, 2002 from  $230,000 for the quarter  ended  December 31, 2001, as a
result of a decline in staff and a decrease  in other  noninterest  expenses  of
$6,000 to $52,000 for the quarter  ended  December 31, 2002 from $58,000 for the
quarter ended December 31, 2001, partially offset by an increase in furniture

                                       10


<PAGE>

and fixtures  depreciation  and maintenance of $7,000 to $17,000 for the quarter
ended  December 31, 2002 from $10,000 for the quarter  ended  December 31, 2001,
due to depreciation on a new ATM and computer hardware.

Total noninterest  expenses  increased by $5,000 or 0.6% to $783,000 for the six
months ended  December 31, 2002 from $778,000 for the six months ended  December
31, 2001. The increase in noninterest  expenses was primarily due to an increase
in salaries  and  employee  benefits  of $10,000 to $493,000  for the six months
ended  December 31, 2002 from  $483,000  for the six months  ended  December 31,
2001,  due to  staff  additions  and  an  increase  in  furniture  and  fixtures
depreciation  and  maintenance  of $11,000 to $32,000  for the six months  ended
December 31, 2002 from $21,000 for the six months ended  December 31, 2001,  due
to  depreciation  on a new ATM and  computer  hardware,  partially  offset  by a
decline  in  occupancy  costs of  $6,000 to  $45,000  for the six  months  ended
December 31, 2002 from $51,000 for the six months ended  December 31, 2001, as a
result of fully  depreciated  office building  components and a decline in other
noninterest expenses of $10,000 to $99,000 for the six months ended December 31,
2002 from $109,000 for the six months ended December 31, 2001.

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 and in a short term liquid
cash management  fund.  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 $14.0 million in advances. The Company's most liquid assets are cash and cash
equivalents, which include short-term investments, as well as an investment in a
short-term,  liquid  cash  management  fund.  The  levels  of these  assets  are
dependent on the Company's operating,  financing and investing activities during
any given period.  At December 31, 2002,  the Company's  cash on hand,  interest
bearing deposits,  Federal funds sold and short-term  investments  totaled $12.6
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  $318,000  as of
December 31, 2002.

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  December  31,  2002  totaled  $22.1  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.

                                       11

<PAGE>

The  Company's  primary  source of cash in investing  activities  during the six
months  ended  December  31, 2002 was a net  decrease of $10.1  million in loans
receivable, offset by a $4.0 million increase in investments.

The Company's primary uses of cash in financing activities during the six months
ended  December  31,  2002  consisted  of a net  decrease of $600,000 in savings
deposits  and a net decrease of $700,000 in advance  payments by  borrowers  for
taxes, insurance and ground rents.


Item 3:  Controls and Procedures

A review and evaluation was performed by the Company's management, including the
Company's Chief Executive  Officer (the "CEO") and Chief Financial  Officer (the
"CFO"),  of the  effectiveness  of the design  and  operation  of the  Company's
disclosure  controls  and  procedures  as of a date  within 90 days prior to the
filing of this quarterly  report.  Based on that review and evaluation,  the CEO
and CFO have  concluded  that the  Company's  current  disclosure  controls  and
procedures,  as designed and  implemented,  were  effective.  There have been no
significant changes in the Company's internal controls subsequent to the date of
their evaluation.  There were no significant  material weaknesses  identified in
the course of such review and evaluation and, therefore,  no corrective measures
were taken by the Company.

                                       12


<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

          (a)  On  October  16,  2002,  Wyman  Park  Bancorporation,  Inc.  (the
               "Company") held its Annual Meeting of Stockholders.

          (b)  Not Applicable

          (c)  Stockholders voted on the following matters:

               (i)  The  election  of  the  following  three  directors  of  the
                    Company;

                        Votes:                         For          Withheld
                        ------                         ---          --------

                        G. Scott Barhight            722,662         32,426
                        Ernest A. Moretti            750,563          4,525
                        John K. White                723,022         32,066

          As a result,  G. Scott  Barhight,  Ernest A. Moretti and John K. White
          were  elected  directors  for terms to expire in 2005.  There  were no
          abstentions or broker non votes.

               (ii) The adoption of the Agreement and Plan of Merger;

                                           Votes:       % of Outstanding Shares
                                           ------       -----------------------

                        For                679,906              82.7%
                        Against                575                .1%
                        Abstain                100                 -
                        Broker Non-Votes    74,507               9.1%

               As a result, the adoption of the Agreement and Plan of Merger was
               approved.

                                       13

<PAGE>

Item 5.   Other Information None

Item 6.   Exhibits and Reports on Form 8-K

          (a)Exhibits None

          (b) On October 16, 2002,  the Company  filed a Current  Report on Form
          8-K to report the approval by its stockholders of the Merger Agreement
          with Bradford Bank.


                                       14


<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:  February 5, 2003             /s/ Ernest A. Moretti
                                    --------------------------------------------
                                    Ernest A. Moretti
                                    President and Chief Executive Officer
                                    (Principal Executive Officer)


Date:  February 5, 2003             /s/ Ronald W. Robinson
                                    --------------------------------------------
                                    Ronald W. Robinson
                                    Treasurer
                                    (Principal Financial and Accounting Officer)

                                       15




<PAGE>

                                  CERTIFICATION

I, Ernest A. Moretti, certify that:

         (1) I have reviewed this quarterly report on Form 10-QSB of Wyman Park
Bancorporation, Inc.,

         (2) Based on my knowledge, this quarterly report does not contain any
untrue statement of a material fact or omit to state a material fact necessary
to make the statements made, in light of the circumstances under which such
statements were made, not misleading with respect to the period covered by this
quarterly report;

         (3) Based on my knowledge, the financial statements, and other
financial information included in this quarterly report, fairly present in all
material respects the financial condition, results of operations and cash flows
of the registrant as of, and for, the periods presented in this quarterly
report;

         (4) The registrant's other certifying officers and I are responsible
for establishing and maintaining disclosure controls and procedures (as defined
in Exchange Act Rules 13a-14 and 15d-14) for the registrant and have:
                  (a) designed such disclosure controls and procedures to ensure
that material information relating to the registrant, including its consolidated
subsidiaries, is made known to us by others within those entities, particularly
during the period in which this quarterly report is being prepared;
                  (b) evaluated the effectiveness of the registrant's disclosure
controls and procedures as of a date within 90 days prior to the filing date of
this quarterly report (the "Evaluation Date"); and
                  (c) presented in this quarterly report our conclusions about
the effectiveness of the disclosure controls and procedures based on our
evaluation as of the Evaluation Date;
         (5) The registrant's other certifying officers and I have disclosed,
based on our most recent evaluation, to the registrant's auditors and the audit
committee of registrant's board of directors (or persons performing the
equivalent functions):
                  (a) all significant deficiencies in the design or operation of
internal controls which could adversely affect the registrant's ability to
record, process, summarize and report financial data and have identified for the
registrant's auditors any material weaknesses in internal controls; and
                  (b) any fraud, whether or not material, that involves
management or other employees who have a significant role in the registrant's
internal controls; and
         (6) The registrant's other certifying officers and I have indicated in
this quarterly report whether there were significant changes in internal
controls or in other factors that could significantly affect internal controls
subsequent to the date of our most recent evaluation, including any corrective
actions with regard to significant deficiencies and material weaknesses.


February 5, 2003                                         /s/ Ernest A. Moretti
                                                         -----------------------
                                                         Ernest A. Moretti
                                                         Chief Executive Officer

                                       16


<PAGE>



                                  CERTIFICATION

I, Ronald W. Robinson, certify that:

         (1) I have reviewed this quarterly report on Form 10-QSB of Wyman Park
Bancorporation, Inc.;

         (2) Based on my knowledge, this quarterly report does not contain any
untrue statement of a material fact or omit to state a material fact necessary
to make the statements made, in light of the circumstances under which such
statements were made, not misleading with respect to the period covered by this
quarterly report;

         (3) Based on my knowledge, the financial statements, and other
financial information included in this quarterly report, fairly present in all
material respects the financial condition, results of operations and cash flows
of the registrant as of, and for, the periods presented in this quarterly
report;

         (4) The registrant's other certifying officers and I are responsible
for establishing and maintaining disclosure controls and procedures (as defined
in Exchange Act Rules 13a-14 and 15d-14) for the registrant and have:
                  (a) designed such disclosure controls and procedures to ensure
that material information relating to the registrant, including its consolidated
subsidiaries, is made known to us by others within those entities, particularly
during the period in which this quarterly report is being prepared;
                  (b) evaluated the effectiveness of the registrant's disclosure
controls and procedures as of a date within 90 days prior to the filing date of
this quarterly report (the "Evaluation Date"); and
                  (c) presented in this quarterly report our conclusions about
the effectiveness of the disclosure controls and procedures based on our
evaluation as of the Evaluation Date;
         (5) The registrant's other certifying officers and I have disclosed,
based on our most recent evaluation, to the registrant's auditors and the audit
committee of registrant's board of directors (or persons performing the
equivalent functions):
                  (a) all significant deficiencies in the design or operation of
internal controls which could adversely affect the registrant's ability to
record, process, summarize and report financial data and have identified for the
registrant's auditors any material weaknesses in internal controls; and
                  (b) any fraud, whether or not material, that involves
management or other employees who have a significant role in the registrant's
internal controls; and
         (6) The registrant's other certifying officers and I have indicated in
this annual report whether there were significant changes in internal controls
or in other factors that could significantly affect internal controls subsequent
to the date of our most recent evaluation, including any corrective actions with
regard to significant deficiencies and material weaknesses.


February 5, 2003                                         /s/ Ronald W. Robinson
                                                         -----------------------
                                                         Ronald W. Robinson
                                                         Chief Financial Officer

                                       17


<PAGE>


                        CERTIFICATION OF QUARTERLY REPORT

     In  connection  with  the  accompanying  Quarterly  Report  of  Wyman  Park
Bancorporation,  Inc.  (the  "Company")  on Form  10-QSB for the  quarter  ended
December 31, 2002 (the "Report"),  I, Ernest A. Moretti, Chief Executive Officer
of the Company,  certify pursuant to 18 U.S.C. Section 1350, as adopted pursuant
to Section 906 of the Sarbanes-Oxley Act of 2002, to my knowledge, that:

(1)  The Report fully complies with the  requirements  of section 13(a) or 15(d)
     of the Securities Exchange Act of 1934; and

(2)  The information  contained in the Report fairly  presents,  in all material
     respects, the financial condition and results of operations of the Company.



                                                     /s/ Ernest A. Moretti
                                                     ---------------------------
                                                     Ernest A. Moretti
                                                     Chief Executive Officer


Date: February 5, 2003



<PAGE>




                        CERTIFICATION OF QUARTERLY REPORT

     In  connection  with  the  accompanying  Quarterly  Report  of  Wyman  Park
Bancorporation,  Inc.  (the  "Company")  on Form  10-QSB for the  quarter  ended
December 31, 2002 (the "Report"), I, Ronald W. Robinson, Chief Financial Officer
of the Company,  certify pursuant to 18 U.S.C. Section 1350, as adopted pursuant
to Section 906 of the Sarbanes-Oxley Act of 2002, to my knowledge, that:

(1)  The Report fully complies with the  requirements  of section 13(a) or 15(d)
     of the Securities Exchange Act of 1934; and

(2)  The information  contained in the Report fairly  presents,  in all material
     respects, the financial condition and results of operations of the Company.



                                                     /s/ Ronald W. Robinson
                                                     ---------------------------
                                                     Ronald W. Robinson
                                                     Chief Financial Officer

Date:  February 5, 2003