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, 2000

---------    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  10, 2000,  the issuer had 827,090  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, 2000 and June 30, 2000............................     2

          Consolidated Statements of Operations for the Three Month
          Periods ended September 30, 2000 and 1999......................      3

          Consolidated Statements of Cash Flows for the Three Month
          Periods Ended September 30, 2000 and 1999......................      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 30         June 30,
                                                                2000               2000
                                                                ----               ----
                                                             (Unaudited)
         Assets
         ------
<S>                                                         <C>              <C>
Cash and noninterest bearing deposits                       $    189,930     $    310,442
Interest bearing deposits in other banks                         923,828          474,358
Federal funds sold                                             1,888,859        1,301,106
                                                            ------------     ------------
Total cash and cash equivalents                                3,002,617        2,085,906
Loans receivable, net                                         64,992,025       65,223,905
Mortgage-backed securities held to maturity
  at amortized cost, fair value of $169,100 (9/00)
  and $176,350 (6/00)                                            167,637          174,086
Federal Home Loan Bank of Atlanta stock, at cost                 508,500          508,500
Accrued interest receivable                                      346,949          333,114
Ground rents owned, at cost                                      122,600          122,600
Property and equipment, net                                       97,340          107,304
Federal and state income taxes receivable                          5,986           16,985
Deferred tax asset                                               203,364          203,364
Prepaid expenses and other assets                                 91,984           63,850
                                                            ------------     ------------
Total Assets                                                $ 69,539,002     $ 68,839,614
                                                            ------------     ------------

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

Liabilities:
Demand deposits                                             $  5,511,981     $  5,643,177
Money market and NOW accounts                                  8,613,074        9,093,949
Time deposits                                                 41,705,278       40,609,938
                                                            ------------     ------------
Total deposits                                                55,830,333       55,347,064
Checks outstanding in excess of bank balance                      84,549               --
Borrowings                                                     4,000,000        3,000,000
Advance payments by borrowers for taxes,
  insurance and ground rents                                     392,654        1,315,538
Accrued interest payable on savings deposits                      17,516           17,267
Accrued interest on borrowings                                    22,107           14,786
Federal and state income taxes payable                            41,748            8,748
Accrued expenses and other liabilities                           582,684          528,975
                                                            ------------     ------------
Total liabilities                                             60,971,591       60,232,378

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                                     4,053,677        4,053,677
Contra equity - Employee Stock Ownership Plan (ESOP)            (539,770)        (539,770)
Retained earnings, substantially restricted                    6,426,384        6,327,076
Treasury Stock; 133,987 shares, at cost at
  September 30,2000 and 112,987 at cost at
  June 30, 2000                                               (1,382,997)      (1,243,864)
                                                            ------------     ------------
Total stockholders' equity                                     8,567,411        8,607,236
                                                            ------------     ------------
Total liabilities and stockholders' equity                  $ 69,539,002     $ 68,839,614
                                                            ------------     ------------
</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,
                                            2000         1999
                                            ----         ----

Interest and fees on loans receivable    $1,218,279   $1,063,714
Interest on mortgage-backed securities        3,305        3,420
Interest on other investments                51,874      103,244
                                         ----------   ----------
  Total interest income                  $1,273,458   $1,170,378
                                         ----------   ----------

Interest on savings deposits             $  685,751   $  653,808
Interest on borrowed money                   59,412        3,084
Interest on escrow deposits                     676          835
                                         ----------   ----------
  Total interest expense                 $  745,839   $  657,727

 Net interest income before provision
   for loan losses                          527,619      512,651
Provision for loan losses                        --           --
                                         ----------   ----------
  Net interest income                    $  527,619   $  512,651
                                         ----------   ----------
Other Income
------------
  Loan fees and service charges          $   22,107   $   18,724
  Other                                       2,102        4,276
                                         ----------   ----------
    Total other income                   $   24,209   $   23,000
                                         ----------   ----------

Noninterest Expenses
--------------------
  Salaries and employee benefits         $  232,674   $  229,598
  Occupancy costs                            26,483       24,310
  Professional services                      15,327       22,070
  Federal deposit insurance premiums          2,847        8,434
  Furniture and fixtures depreciation
    and maintenance                          11,719       13,135
  Data processing                            20,671       20,301
  Advertising                                22,051        9,783
  Franchise and other taxes                  11,466       11,271
  Other                                      47,282       46,533
                                         ----------   ----------
    Total noninterest expenses           $  390,520   $  385,435

Income before tax provision                 161,308      150,216

Provision for income taxes                   62,000       60,021
                                         ----------   ----------
    Net Income                           $   99,308   $   90,195
                                         ----------   ----------

    Net income per share, basic               $0.13        $0.11

    Net income per share, diluted             $0.13        $0.11


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,
                                                                               2000           1999
                                                                               ----           ----

Cash Flows from operating activities
------------------------------------
<S>                                                                      <C>             <C>
  Net income                                                             $     99,308    $     90,195
  Adjustments to reconcile net income to net
    Cash provided by operating activities:
         Depreciation and amortization                                         10,343          12,759
         Amortization of loan fees                                            (21,450)        (16,638)
         Increase in accrued interest receivable                              (13,835)            (37)
         Increase in prepaid expenses and other assets                        (28,134)           (805)
         Increase in accrued expenses and other liabilities                    53,709          27,856
         Decrease in federal and state income taxes receivable                 10,999          13,688
         Increase in federal and state income taxes payable                    33,000          45,765
         Increase in accrued interest payable on
           savings deposits                                                       249             795
         Increase (decrease) in accrued interest payable on borrowings          7,321          (5,038)
                                                                         ------------    ------------
Net cash provided by operating activities                                     151,510         168,540

Cash flows from investing activities
------------------------------------
  Net (increase) decrease in loans receivable                                 394,705      (1,032,919)
  Purchase of loan participations                                            (141,375)       (500,000)
  Mortgage-backed securities principal repayments                               6,449           9,115
  Purchases of property and equipment                                            (379)         (2,145)
                                                                         ------------    ------------
 Net cash provided by (used in) investing activities                          259,400      (1,525,949)

Cash flows from financing activities
------------------------------------
  Net increase (decrease) in savings deposits                                 483,269      (1,640,921)
  Net increase in checks outstanding in excess of
     bank balance                                                              84,549              --
  Increase (decrease) in borrowings                                         1,000,000      (2,650,000)
  Decrease in advance payments by borrowers
    for taxes, insurance and ground rents                                    (922,884)       (946,889)
  Repurchase of common stock                                                 (139,133)             --
                                                                         ------------    ------------
Net cash provided by (used in) financing activities                           505,801      (5,237,810)

Net increase (decrease) in cash and cash equivalents                     $    916,711    $ (6,595,219)
Cash and cash equivalents at beginning of period                            2,085,906      12,100,730
                                                                         ------------    ------------
Cash and cash equivalents at end of period                               $  3,002,617    $  5,505,511
                                                                         ------------    ------------
Supplemental information
------------------------
  Interest paid on savings deposits and borrowed funds                   $    745,839    $    657,728
  Income taxes paid                                                      $     18,000    $        569
</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, 2000 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 cash, non-interest bearing deposits, variable rate interest-bearing deposits
in other  banks and federal  funds sold,  the  carrying  amount is a  reasonable
estimate of fair value.

                                        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, 2000 and 1999 as follows:

                                      Three Months Ended     Three Months Ended
                                      September 30, 2000     September 30, 1999
                                      ------------------     -------------------

Net income                                 $  99,308             $  90,195
Weighted average shares
  Outstanding basic EPS                      757,936               815,949
Dilutive items
  Stock options                               27,942                33,005
  Unvested stock awards                          935                     -
Adjusted weighted average shares
   Outstanding used for diluted EPS          786,813               848,954


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, 2000
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)             $  7,848,899       19.5%     $3,214,934   8.0%    $4,018,668    10.0%
Tier I capital (to
 Risk Weighted
 Assets)                7,564,899       18.8%      1,607,467   4.0%     2,411,201     6.0%
Tier 1 Capital (to
 Average Assets)        7,564,899       10.9%      2,781,604   4.0%     3,477,005     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, 2000 AND JUNE 30, 2000

The Company's  assets  increased  $700,000 or 1.0% to $69.5 million at September
30,  2000  from  $68.8  million  at June 30,  2000.  Cash  and cash  equivalents
increased  $900,000  or 42.9% to $3.0  million at  September  30, 2000 from $2.1
million at June 30, 2000, primarily as a result of an increase in borrowings, an
increase in savings  deposits,  and a decrease in loans  receivable  offset by a
decrease in advance payments by borrowers for taxes, insurance and ground rents.
Advances  from the Federal Home Loan Bank of Atlanta  increased  $1.0 million or
33.3% to $4.0 million at September  30, 2000 from $3.0 million at June 30, 2000,
as a result of the  Company's  paying real estate taxes from  borrowers'  escrow
accounts.  Savings  deposits  increased  $500,000  or 0.9% to $55.8  million  at
September 30, 2000 from $55.3 million at June 30, 2000 as the Company  attracted
more funds in certificates of deposit.  Advance payments by borrowers for taxes,
insurance and ground rents decreased  $900,000 or 69.2% to $400,000 at September
30, 2000 from $1.3 million at June 30, 2000 as the result of the payment of real
estate taxes. Net loans receivable  decreased  $200,000 or 0.3% to $65.0 million
at September  30, 2000 from $65.2 million at June 30, 2000 as a result of normal
amortization. The Company's stockholders' equity remained virtually unchanged at
$8.6  million at  September  30, 2000 due to an  increase  in Treasury  stock of
$100,000 or 7.7% to $1.4 million at September 30, 2000 from $1.3 million at June
30, 2000,  offset by net income of $100,000 for the three months ended September
30, 2,000.

COMPARISON  OF OPERATING  RESULTS FOR THE QUARTER  ENDED  SEPTEMBER 30, 2000 AND
SEPTEMBER 30, 1999

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

The Company  reported net income of $99,000 for the quarter ended  September 30,
2000  compared to $90,000 for the quarter ended  September 30, 1999.  The $9,000
increase in net income was primarily  due to an increase in net interest  income
of $15,000; offset by an increase in noninterest expenses of $6,000.

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

Total  interest  income  increased  by  $103,000 or 8.8% to  $1,273,000  for the
quarter ended September 30, 2000 from $1,170,000 for the quarter ended September
30, 1999. The increase in total interest income for the comparable  three months
periods was due primarily to an increase of $3.1 million in the average  balance
of interest-earning  assets to $68.1 million from $65.0 million, and an increase
of 28 basis points in the average yield on interest-earning assets to 7.48% from
7.20%.

The increase in the average balance of interest-earning assets was due primarily
to an increase in average loans receivable as a result of increased loan volume.

                                        8
<PAGE>

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

Total interest expense increased by $88,000 or 13.4% to $746,000 for the quarter
ended September 30, 2000 from $658,000 for the quarter ended September 30, 1999.
The increase in total interest  expense for the comparable  three months periods
was due  primarily  to an  increase of $2.1  million in the  average  balance of
interest-bearing liabilities to $58.9 million from $56.8 million and an increase
of 45 basis points in the average yield on interest-bearing liabilities to 5.06%
from 4.61%.

The increase in the average balance of  interest-bearing  liabilities was due to
an  increase  in  average  borrowings  of  $3.5  million  for the  three  months
comparable  periods,  partially  offset by a  decrease  of $1.4  million  in the
average balance of savings deposits for the three months comparable periods.

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

The Company's net interest  income  increased by $15,000 or 2.9% to $528,000 for
the quarter  ended  September  30,  2000 from  $513,000  for the  quarter  ended
September 30, 1999. The increase in net interest  income was primarily due to an
increase   in  the  ratio  of   average   interest-earning   assets  to  average
interest-bearing liabilities to 115.6% from 114.5%, as the Company increased its
average loans  receivable.  The Company's net interest margin  decreased 7 basis
points to 3.10% from 3.17%.

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, 2000 and September 30, 1999, the Company  recorded no
provision for loan losses. The Company's  nonperforming loans as a percentage of
loans  receivable  was 0.20% and 0.42% at September 30, 2000, and June 30, 2000,
respectively, all consisting of single-family residential mortgage loans.

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

Total noninterest  income increased by $1,000 or 4.3% to $24,000 for the quarter
ended  September 30, 2000 from $23,000 for the quarter ended September 30, 1999.
The increase in noninterest income was due primarily to an increase of $1,000 in
service fees on checking accounts to $14,000 for the quarter ended September 30,
2000 from $13,000 for the quarter ended September 30, 1999.

                                        9
<PAGE>

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

Total  noninterest  expenses  increased  by $6,000 or 1.6% to  $391,000  for the
quarter ended  September 30, 2000 from $385,000 for the quarter ended  September
30, 1999. The increase in noninterest  expenses was primarily due to an increase
in  advertising  expense of $12,000 or 120.0% to $22,000 for the  quarter  ended
September 30, 2000 from $10,000 for the quarter ended September 30, 1999, offset
by a decrease in federal deposit insurance premiums of $5,000 or 62.5% to $3,000
for the quarter  ended  September  30,  2000 from  $8,000 for the quarter  ended
September  30,  1999.  The  increase  in  advertising  expense was due to a more
aggressive  advertising  campaign and the decrease in federal deposit  insurance
premiums was a scheduled reduction due to the  recapitalization of the insurance
fund.

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 $14 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, 2000,  the Company's  cash on hand,  interest  bearing  deposits,
Federal funds sold and short-term  investments totaled $3.0 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 $1.0 million as of September 30, 2000.

The Company's  principal  sources of funds are  deposits,  loan  repayments  and
prepayments,  and other funds  provided by operations.  Certificates  of deposit
which  are  scheduled  to mature in less  than one year at  September  30,  2000
totaled $17.9 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,  2000  was a net  decrease  of  $400,000  in loans
receivable.

                                       10
<PAGE>

The Company's  primary sources of cash in financing  activities during the three
months  ended  September  30, 2000  consisted of a net increase of $1 million in
borrowings and a net increase of $500,000 in savings  deposits,  offset by 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)  The following exhibit is filed as part of this Form 10QSB:
                    Exhibit 27 - Financial Data Schedule

         (b)  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 10, 2000        /s/ Ernest A. Moretti
                                ------------------------------------
                                Ernest A. Moretti
                                President and Chief Executive Officer
                                (Principal Executive Officer)


Date:  November 10, 2000        /s/ Ronald W. Robinson
                                -------------------------------------
                                Ronald W. Robinson
                                Treasurer
                                (Principal Financial and Accounting Officer)

                                       13