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, 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 November  12, 2002,  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, 2002 and June 30, 2002............................     2

          Consolidated Statements of Operations for the Three Month
          Periods ended September 30, 2002 and 2001.... ..................     3

          Consolidated Statements of Cash Flows for the Three Month
          Periods Ended September 30, 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...........................................  7-10

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

CERTIFICATIONS............................................................ 14-15

                                       1
<PAGE>

                Wyman Park Bancorporation, Inc. and Subsidiaries
                              Lutherville, Maryland
                 Consolidated Statements of Financial Condition
<TABLE>
<CAPTION>
                                                        September 30       June 30,
                                                            2002             2002
                                                            ----             ----
                                                        (Unaudited)
         Assets
         ------
<S>                                                    <C>             <C>
Cash and noninterest bearing deposits                  $    860,117    $    263,180
Interest bearing deposits in other banks                  1,384,396       3,516,191
Federal funds sold                                        4,993,739       4,641,478
                                                       ------------    ------------
Total cash and cash equivalents                           7,238,252       8,420,849
Investments                                               4,010,637               -
Loans receivable, net                                    57,148,126      61,072,782
Mortgage-backed securities held to maturity
  at amortized cost, fair value of $103,617 (9/2002)
  and $111,684 (6/2002)                                     102,030         109,306
Federal Home Loan Bank of Atlanta stock, at cost            528,900         528,900
Accrued interest receivable                                 285,245         319,109
Ground rents owned, at cost                                 120,100         120,100
Property and equipment, net                                  82,953          92,141
Federal and state income taxes receivable                       572               -
Deferred tax asset                                          216,740         216,740
Prepaid expenses and other assets                           309,652         131,504
                                                       ------------    ------------
Total Assets                                           $ 70,043,207    $ 71,011,431
                                                       ------------    ------------

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

Liabilities:
Demand deposits                                        $  5,557,890    $  5,649,688
Money market and NOW accounts                            10,068,556      10,097,757
Time deposits                                            43,925,001      44,240,930
                                                       ------------    ------------
Total deposits                                           59,551,447      59,988,375
Advance payments by borrowers for taxes,
  insurance and ground rents                                316,227       1,104,059
Accrued interest payable on savings deposits                  9,228           9,650
Federal and state income taxes payable                       65,715          14,643
Accrued expenses and other liabilities                      633,104         532,045
                                                       ------------    ------------
Total liabilities                                        60,575,721      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               7,307,732       7,202,905
Treasury Stock; 189,223 shares at cost at
  September 30, 2002 and  June 30, 2002                  (1,748,940)     (1,748,940)
                                                       ------------    ------------
Total stockholders' equity                                9,467,486       9,362,659
                                                       ------------    ------------
Total liabilities and stockholders' equity             $ 70,043,207    $ 71,011,431
                                                       ------------    ------------
</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,
                                                2002        2001
                                                ----        ----
Interest and fees on loans receivable       $1,040,341   $1,181,976
Interest on mortgage-backed securities           1,183        2,214
Interest on investment securities               10,637            -
Interest on other investments                   35,263       42,889
                                            ----------   ----------
  Total interest income                     $1,087,424   $1,227,079
                                            ----------   ----------

Interest on savings deposits                $  542,314   $  721,610
Interest on escrow deposits                        321          388
                                            ----------   ----------
  Total interest expense                    $  542,635   $  721,998

 Net interest income before provision
   for loan losses                             544,789      505,081
Provision for loan losses                            -            -
                                            ----------   ----------
  Net interest income                       $  544,789   $  505,081
                                            ----------   ----------
Other Income
------------
  Loan fees and service charges             $   21,577   $   29,328
  Gain on sales of loans receivable              1,650        4,775
  Other                                          8,211        9,116
                                            ----------   ----------
    Total other income                      $   31,438   $   43,219
                                            ----------   ----------

Noninterest Expenses
--------------------
  Salaries and employee benefits            $  267,904   $  253,175
  Occupancy costs                               23,374       26,619
  Professional services                         14,244       12,729
  Federal deposit insurance premiums             2,561        2,707
  Furniture and fixtures depreciation and
    maintenance                                 14,671       10,991
  Data processing                               21,295       20,644
  Advertising                                    3,889        6,779
  Franchise and other taxes                      9,664       12,489
  Other                                         46,798       51,095
                                            ----------   ----------
    Total noninterest expenses              $  404,400   $  397,228

Income before tax provision                    171,827      151,072

Provision for income taxes                      67,000       57,700
                                            ----------   ----------
    Net Income                              $  104,827   $   93,372
                                            ----------   ----------
    Basic net income per share              $     0.14   $     0.13
    Diluted net income per share            $     0.12   $     0.12


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,
                                                                        --------------------------------
                                                                               2002            2001
                                                                               ----            ----

Cash Flows from operating activities
------------------------------------
<S>                                                                        <C>            <C>
  Net income                                                               $   104,827    $    93,372
  Adjustments to reconcile net income to net
    Cash provided by operating activities:
         Depreciation and amortization                                           9,680          9,985
         Amortization of loan fees                                             (21,660)        (8,602)
         Gain on sales of loans receivable                                      (1,650)        (4,775)
         Loans originated for sale                                            (165,000)      (392,500)
         Proceeds from loans originated for sale                               166,650        397,275
         Decease in accrued interest receivable                                 33,864          9,580
         Increase in prepaid expenses and other assets                        (178,148)        (4,083)
         Increase in accrued expenses and other liabilities                    101,059        104,068
         (Increase) decrease in federal and sate income taxes receivable          (572)         6,237
         Increase in federal and state income taxes payable                     51,072         14,464
         Decrease in accrued interest payable on  savings deposits                (422)          (239)
                                                                           -----------    -----------
Net cash provided by operating activities                                       99,700        224,782

Cash flows from investing activities
------------------------------------
  Increase in investments                                                   (4,010,637)             -
  Proceeds from sale of ground rents                                                 -          2,500
  Net decrease in loans receivable                                           4,520,449      1,793,913
  Purchase of loan participations                                             (574,133)      (232,035)
  Mortgage-backed securities principal repayments                                7,276         10,776
  Purchases of property and equipment                                             (492)             -
                                                                           -----------    -----------
 Net cash (used in) provided by investing activities                           (57,537)     1,575,154

Cash flows from financing activities
------------------------------------
  Net decrease in savings deposits                                            (436,928)    (2,046,233)
  Decrease in advance payments by borrowers
    for taxes, insurance and ground rents                                     (787,832)      (851,188)
  Repurchase of common stock                                                         -              -
                                                                           -----------    -----------
Net cash used in financing activities                                       (1,224,760)    (2,897,421)

Net decrease in cash and cash equivalents                                  $(1,182,597)   $(1,097,485)
Cash and cash equivalents at beginning of period                             8,420,849      4,432,017
                                                                           -----------    -----------
Cash and cash equivalents at end of period                                 $ 7,238,252    $ 3,334,532
                                                                           -----------    -----------
Supplemental information
------------------------
  Interest paid on savings deposits and borrowed funds                     $   543,057    $   721,998

  Income taxes paid                                                        $     7,500    $    37,000
</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, 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
<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, 2002 and 2001 as follows:

                                                  Three Months Ended
                                                      September 30,
                                                  2002            2001
                                               -------------------------

Net income                                     $104,827        $  93,372
Weighted average shares
  Outstanding basic EPS                         746,337          720,804
Dilutive items
  Stock options                                 100,957           40,739
  Unvested stock awards                           3,875            1,362
Adjusted weighted average shares
   Outstanding used for diluted EPS             851,169          762,905

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, 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)                $  9,132,082      23.0%        $3,179,982   8.0%      $3,974,977       10.0%
Tier I capital (to
 Risk Weighted
 Assets)                   8,848,453      22.3%         1,589,991   4.0%       2,384,986        6.0%
Tier 1 Capital (to
 Average Assets)           8,848,453      12.7%         2,792,786   4.0%       3,490,983        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 is
subject to  regulatory  approval.  The merger  price is also subject to possible
reduction to the extent that the Company's  termination  of its defined  benefit
pension plan, prior to the merger,  exceeds $100,000. The Company's stockholders
approved  the merger at the Annual  Stockholders'  Meeting on October 16,  2002.
Closing of the merger is pending Office of Thrift Supervision (OTS) approval.

                                        7
<PAGE>

COMPARISON OF FINANCIAL CONDITION AT SEPTEMBER 30, 2002 AND JUNE 30, 2002

The Company's  assets decreased $1 million or 1.4% to $70.0 million at September
30,  2002  from  $71.0  million  at June 30,  2002.  Cash  and cash  equivalents
decreased  $1.2 million or 14.3% to $7.2 million at September 30, 2002 from $8.4
million  at June 30,  2002,  primarily  as a result  of a  decrease  in  savings
deposits and a decrease in advance  payments by borrowers  for taxes,  insurance
and ground rents.  Investments increased $4.0 million at September 30, 2002 from
$0 at June 30,  2002,  as a result of an  investment  of $4.0  million in a cash
management  fund. The Company  periodically  invests excess funds in such a cash
management fund, as it seeks to originate loans. Net loans receivable  decreased
$4.0 million or 6.5% to $57.1  million at September  30, 2002 from $61.1 million
at June  30,  2002 as a result  of  normal  amortization  and  payoffs.  Savings
deposits  decreased $400,000 or 6.7% to $59.6 million at September 30, 2002 from
$60.0 million at June 30, 2002.  The Company  believes the deposit  decline is a
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 $800,000 or 72.7% to $300,000 at September
30,  2002 from $1.1  million at June 30, 2002 as a result of the payment of real
estate taxes. The Company's  stockholders'  equity increased $105,000 or 1.1% to
$9.5 million at September 30, 2002 from $9.4 million at June 30, 2002  primarily
due to net income of $105,000 for the three months ended September 30, 2002.

COMPARISON  OF OPERATING  RESULTS FOR THE QUARTER  ENDED  SEPTEMBER 30, 2002 AND
2001

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

The Company  reported net income of $105,000 for the quarter ended September 30,
2002 compared to $93,000 for the quarter ended  September 30, 2001.  The $12,000
increase in net income was primarily  due to an increase in net interest  income
of $40,000,  offset by a decrease of $12,000 in noninterest  income, an increase
in  noninterest  expense of $7,000 and an increase in provision for income taxes
of $9,000.

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

Total  interest  income  decreased  by $140,000 or 11.4% to  $1,087,000  for the
quarter ended September 30, 2002 from $1,227,000 for the quarter ended September
30, 2001. The decrease in total interest income for the comparable  three months
periods was due  primarily to a decrease of 91 basis points in the average yield
on  interest-earning  assets  to 6.36%  from  7.27%,  as a result  of  declining
interest rates.

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

Total  interest  expense  decreased  by $179,000  or 24.8% to  $543,000  for the
quarter ended  September 30, 2002 from $722,000 for the quarter ended  September
30, 2001. The decrease in total interest expense for the comparable three months
periods was due primarily

                                        8
<PAGE>

to a  decrease  of 127 basis  points in the  average  yield on  interest-bearing
liabilities to 3.65% from 4.92%, as a result of declining interest rates.

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

The Company's net interest income increased  $40,000 or 7.9% to $545,000 for the
quarter ended  September 30, 2002 from $505,000 for the quarter ended  September
30, 2001. The increase in net interest  income was primarily due to a decline in
the average yield on interest  bearing  liabilities in a greater amount than the
decline in the average yield on interest  earning  assets.  This is reflected in
the Company's net interest  margin,  which increased by 19 basis points to 3.18%
from 2.99% for the comparable three months periods.

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, 2002,  the Company  recorded no provision for loan losses.  During
the three months ended September 30, 2001, the Company recorded no provision for
loan  losses.  The  Company's  nonperforming  loans  as a  percentage  of  loans
receivable  was  0.63% and  0.10% at  September  30,  2002,  and June 30,  2002,
respectively, all consisting of single-family residential mortgage loans.

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

Total  noninterest  income  decreased  by $12,000  or 27.9% to  $31,000  for the
quarter ended  September  30, 2002 from $43,000 for the quarter ended  September
30, 2001. The decrease in noninterest  income was due primarily to a decrease of
$7,000 in loan  fees and  service  charges  to  $22,000  for the  quarter  ended
September 30, 2002 from $29,000 for the quarter ended September 30, 2001.

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

Total  noninterest  expenses  increased  by $7,000 or 1.8% to  $404,000  for the
quarter ended  September 30, 2002 from $397,000 for the quarter ended  September
30, 2001. The increase in noninterest  expenses was primarily due to an increase
in salaries and employee  benefits of $15,000 to $268,000 for the quarter  ended
September  30, 2002 from  $253,000  for the quarter  ended  September  30, 2001,
primarily  due to an  increase  in ESOP  compensation  expense as a result of an
increase in the market value of the Company's stock.

                                        9
<PAGE>

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 September 30, 2002, the Company's  cash on hand,  interest
bearing  deposits,  Federal funds sold and short-term  investments  totaled $7.2
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  $833,000  as of
September 30, 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  September  30,  2002  totaled  $22.9  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  use of cash in  investing  activities  during the three
months ended September 30, 2002 was a $600,000  increase in loan  participations
and a $4.0  million  increase in  investments,  offset by a net decrease of $4.5
million in loans receivable.

The  Company's  primary  uses of cash in financing  activities  during the three
months  ended  September  30, 2002  consisted  of a net  decrease of $800,000 in
advance  payments by borrowers  for taxes,  insurance and ground rents and a net
decrease of $400,000 in savings deposits.

                                       10
<PAGE>

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.

                                       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)  Exhibits
              None

         (b)  Reports on Form 8-K

              On July 9, 2002,  the  Company filed a Current  Report on Form 8-K
              to report that it entered  into a Merger  Agreement  with Bradford
              Bank.

              Further,  the  Company  filed a Form 8-K on  September  27,  2002,
              relating to  its submission to the SEC of a Certification required
              under Section 906  of the Sarbanes-Oxley Act of 2002.

                                       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 12, 2002            /s/ Ernest A. Moretti
                                    ------------------------------------
                                    Ernest A. Moretti
                                    President and Chief Executive Officer
                                    (Principal Executive Officer)


Date:  November 12, 2002            /s/ Ronald W. Robinson
                                    -------------------------------------
                                    Ronald W. Robinson
                                    Treasurer
                                    (Principal Financial and Accounting Officer)

                                       13
<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.


November 12, 2002                           /s/ Ernest A. Moretti
                                            ------------------------------------
                                            Ernest A. Moretti
                                            Chief Executive Officer

                                       14
<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.


November 12, 2002                           /s/  Ronald W. Robinson
                                            ------------------------------------
                                            Ronald W. Robinson
                                            Chief Financial Officer

                                       15