<PAGE>
                                   EXHIBIT 4.3

                          Amended and Restated Warrant

     THE SHARES OF COMMON STOCK ISSUABLE UPON THE EXERCISE HEREOF HAVE NOT BEEN
     REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE "ACT"), OR
     APPLICABLE STATE SECURITIES LAWS (THE "STATE ACTS") AND THIS WARRANT MAY
     NOT BE EXERCISED AND THE COMMON STOCK ISSUABLE UPON THE EXERCISE HEREOF MAY
     NOT BE SOLD, PLEDGED, HYPOTHECATED, DONATED, ASSIGNED OR OTHERWISE
     TRANSFERRED (WHETHER OR NOT FOR CONSIDERATION), IN WHOLE OR IN PART, BY THE
     HOLDER, WITHOUT AN EFFECTIVE REGISTRATION STATEMENT THEREOF UNDER SUCH ACT
     AND APPLICABLE STATE ACTS OR THE ISSUANCE TO THE COMPANY OF AN OPINION OF
     COUNSEL SATISFACTORY TO COUNSEL TO THE COMPANY AND/OR SUBMISSION TO THE
     COMPANY OF SUCH EVIDENCE AS MAY BE SATISFACTORY TO COUNSEL TO THE COMPANY,
     IN EACH SUCH CASE, TO THE EFFECT THAT ANY SUCH EXERCISE OR TRANSFER SHALL
     NOT BE IN VIOLATION OF THE ACT AND THE APPLICABLE STATE ACTS.

                                 WARRANT NO. B-

                       TO PURCHASE _______________ SHARES
                                 OF COMMON STOCK
                                       OF
                               AMERICASBANK CORP.
                            (a Maryland Corporation)

                        Transferable and Exercisable Only
                        Upon Conditions Herein Specified

                         Exercisable after April 8, 2000
                        Void after 5:00 O'Clock P.M. EST,
                              on September 1, 2008

     AMERICASBANK CORP., a Maryland corporation (the "Company"), hereby
certifies that ___________________________________________________________, such
holder's heirs, personal representatives, successors and/or assigns, registered
on the books of the Company maintained for such purposes as the registered
holder hereof (the "Holder"), is entitled to purchase from the Company the
number of fully paid and non-assessable shares of Common Stock of the Company
stated above, par value $0.01 per share (the "Shares"), at the purchase price of
$13.00 per Share (the "Exercise Price") (the number of Shares and Exercise Price
being subject to adjustment as hereinafter provided), upon the terms and
conditions herein provided.

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1.   EXERCISE OF WARRANTS.

     a.   Subject to the provisions of subsection (b) of this Section 1 and
Section 4 hereof, upon presentation and surrender of this Warrant, with the
attached Purchase Form duly executed, at the office of the Company at 500 York
Road, Towson, Maryland 21204, or at such other place as the Company may
designate by notice to the Holder hereof, together with a check payable to the
order of the Company in the amount of the Exercise Price times the number of
Shares being purchased, the Company shall deliver to the Holder hereof, as
promptly as practicable, a certificate representing the Shares being purchased.
This Warrant may be exercised in whole or in part; and, in case of exercise
hereof in part only, the Company, upon surrender hereof, will deliver to the
Holder a new Warrant of like tenor entitling the Holder to purchase the number
of Shares as to which this Warrant has not been exercised.

     b.   This Warrant may be exercised in whole or in part at any time after
April 8, 2000, and shall be void after 5:00 p.m. EST, on September 1, 2008.

2.   RIGHTS AND OBLIGATIONS OF WARRANT HOLDER. No Holder of this Warrant shall
be entitled to any of the rights of a shareholder of the Company, including, but
not limited to, to the extent applicable, the right to vote, give or withhold
consent to any action by the Company, receive dividends, subscription rights, or
otherwise, nor shall anything contained in this Warrant be construed to confer
upon the Holder of this Warrant, as such, any of the rights of a shareholder of
the Company; provided, however, that upon exercise of this Warrant, such Holder
shall, for all purposes, be deemed to have become the holder of record of such
Shares on the date on which this Warrant, together with a duly executed Purchase
Form, was surrendered and payment of the Exercise Price was made, irrespective
of the date of delivery of any Share certificate. The rights of the Holder of
this Warrant are limited to those expressed herein and the Holder of this
Warrant, by its acceptance hereof, consents to and agrees to be bound by and to
comply with all the provisions of this Warrant, including, without limitation,
all the obligations imposed upon the Holder hereof by Section 4 hereof. In
addition, the Holder of this Warrant, by accepting the same, agrees that the
Company may deem and treat the person in whose name this Warrant is registered
on the books of the Company maintained for such purpose as the absolute, true
and lawful owner for all purposes whatsoever, notwithstanding any notation of
ownership or other writing thereon, and the Company shall not be affected by any
notice to the contrary.

3.   SHARES UNDERLYING WARRANTS. The Company covenants and agrees that all
Shares delivered upon the exercise of this Warrant shall, upon delivery and
payment therefor, be duly and validly authorized and issued, fully-paid and
non-assessable, and free from all taxes, liens and charges with respect to the
purchase thereof.

                                       2

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4.   RESTRICTIONS ON EXERCISE; DISPOSITION OF SHARES; TRANSFER AND EXCHANGE OF
WARRANT.

     (a)  The Holder of this Warrant, by its acceptance hereof, hereby
represents and Warrants that such Holder understands and agrees that (i) the
Shares issuable upon the exercise of this Warrant have not been registered under
either the Securities Act of 1933, as amended (the "Act"), or applicable state
securities laws (the "State Acts"), and the Company has no obligation to
register such Shares; (ii) the Warrant may be exercised only if the Shares
underlying the Warrant have been registered under the Act and the applicable
State Acts and a current prospectus relating to such Shares is then in effect,
or upon the issuance to the Company of an opinion of counsel satisfactory to
counsel to the Company and/or submission to the Company of such evidence as may
be satisfactory to counsel to the Company, in each such case, to the effect that
any such exercise shall not be in violation of the Act and the applicable State
Acts; and (iii) the Shares issuable upon the exercise of this Warrant may not be
sold, pledged, hypothecated, donated, assigned or otherwise transferred (whether
or not for consideration), in whole or in part, by the Holder, unless the Shares
have been registered under the Act and the applicable State Acts or upon the
issuance to the Company of an opinion of counsel satisfactory to counsel to the
Company and/or upon submission to the Company of such evidence as may be
satisfactory to counsel to the Company, in each such case, to the effect that
any such transfer shall not be in violation of the Act and the State Acts. The
Holder hereby agrees that the Company's obligation to deliver Shares upon
exercise of this Warrant is subject to the requirement that the Holder deliver
to the Company, if requested by the Company, such certificates, documents or
other information as the Company or its counsel may reasonably request for the
purpose of establishing compliance with the Act and applicable State Acts.

     (b)  This Warrant may be presented for exchange or transfer, with the form
of assignment attached hereto duly completed and executed, at the office of the
Company at 500 York Road, Towson, Maryland 21204, or at such other place as the
Company may designate by notice to the Holder hereof, upon payment by the Holder
of any taxes and other governmental charges and amounts as may be required. Upon
the surrender of the Warrant as provided in this section 4(b), a new Warrant
shall be issued and delivered, in the name of the assignee and in the
denomination or denominations (in a whole number) specified in the form of
assignment. If the right to purchase less than all shares subject to this
Warrant is being transferred, then a new Warrant shall be issued to the Holder
for the portion not being transferred. Upon compliance with the provisions of
this section 4(b), the transferee of any interest in this Warrant shall be
deemed the Holder thereof for all purposes.

                                       3

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     (c)  This Warrant shall be numbered and shall be registered in a Warrant
register maintained by the Company or its authorized transfer agent. The Company
shall be entitled to treat the registered Holder of this Warrant as the owner in
fact of such Warrant for all purposes and shall not be bound to recognize any
equitable or other claim or interest in such Warrant on the part of any other
person or entity, and shall not be liable for any transfer or exchange of this
Warrant not effected in accordance with section 4(b) hereof or for any transfer
or exchange registered or to be registered in the name of a fiduciary or nominee
unless made with actual knowledge that a fiduciary or nominee is committing a
breach of trust in requesting such transfer or exchange.

5.   ADJUSTMENTS. The number of Shares purchasable upon the exercise of this
Warrant and the Exercise Price therefor is subject to adjustment from time to
time upon the occurrence of any of the events enumerated below.

     (a)  Effect of Stock Changes. In the event that at any time during the term
of this Warrant the Company shall (i) pay a dividend in shares of its Common
Stock, (ii) subdivide outstanding shares of its Common Stock into a greater
number of shares, or (iii) combine outstanding shares of its Common Stock into a
smaller number of shares, the amount of shares purchasable upon the exercise of
this Warrant immediately prior thereto shall be adjusted so that the Holder
shall be entitled to receive upon exercise of the Warrant that number of shares
of Common Stock which such Holder would have owned or would have been entitled
to receive after the happening of such event had such Holder exercised the
Warrant immediately prior to the record date, in the case of such dividend, or
the effective date, in the case of any such subdivision or combination and the
Exercise Price shall be proportionately adjusted. An adjustment made pursuant to
this subparagraph (a) shall be made whenever any of such events shall occur, but
shall become effective retroactively after such record date or such effective
date, as the case may be, if this Warrant is exercised between such record date
or effective date and the date of happening of any such event.

     (b)  Merger; Dissolution; Etc. In the event that at any time during the
term of this Warrant there shall be (i) any capital reorganization or
reclassification of the Common Stock of the Company, (ii) a consolidation or
merger of the Company with another entity (other than a merger with a subsidiary
in which merger the Company is the continuing corporation and which does not
result in any reclassification or change of the Shares issuable upon exercise of
the Warrant); (iii) a share exchange in which the Common Stock of the Company
will be acquired; or (iv) the sale or lease of all or substantially all of the
assets of the Company; then, as a condition of the reorganization,
reclassification, consolidation, merger, share exchange, sale or lease, lawful
and fair provision shall be made whereby the Holder of this Warrant after the
transaction shall have the right to purchase and receive, upon the basis and
upon the terms and conditions specified in this Warrant and in lieu of the
shares of Common Stock of the Company purchasable and receivable immediately
prior to the transaction upon the exercise of the rights represented by this
Warrant, the shares of stock, securities or assets that may be issued or payable
with respect to or in exchange for a number of outstanding shares of Common
Stock equal to the number of shares of Common Stock purchasable and receivable
immediately prior to the transaction upon the exercise of the rights represented
by the Warrant if the reorganization, reclassification, consolidation, merger,
share exchange, sale or lease had not taken place.

                                       4

<PAGE>

Appropriate provisions shall be made in connection with a reorganization,
reclassification, consolidation, merger, share exchange, sale or lease with
respect to the rights and interests of the Holder of this Warrant to the end
that the provisions of this Warrant (including, without limitation, provisions
for adjustments of the Exercise Price and of the number of Shares purchasable
upon exercise of the Warrant) shall immediately after the transaction be
applicable as nearly as possible to any shares of stock, securities or assets
deliverable immediately after the transaction upon the exercise of the Warrant.
The Company shall not effect any consolidation, merger, share exchange, sale or
lease unless, prior to the consummation of the transaction, the successor entity
(if other than the Company) resulting from the consolidation or merger, the
entity acquiring the shares of Common Stock in the share exchange, or the entity
purchasing or leasing the assets, assumes by written instrument executed and
delivered to the Company, the obligation to deliver to the Holder of this
Warrant the shares of stock, securities or assets in accordance with the
foregoing provisions that the Holder may be entitled to purchase.

     (c)  Notice of Change in Warrant. Whenever the number of Shares purchasable
hereunder or the Exercise Price therefor is adjusted as herein provided, the
Company shall cause to be mailed to the Holder a notice (i) stating that the
number of Shares purchasable upon exercise of this Warrant and/or the Exercise
Price has been adjusted, (ii) setting forth the adjusted number of Shares
purchasable and/or the adjusted Exercise Price upon the exercise of this Warrant
and (iii) showing in reasonable detail the computations and the facts upon which
such adjustments are based. The Company's board of directors, acting in good
faith, shall determine the calculation.

     (d)  Other Notices. In case at any time (i) the Company pays any dividends
payable in stock upon its Common Stock or makes any distributions (other than
regular cash dividends) to the holders of its Common Stock; (ii) the Company
offers for subscription pro rata to the holders of its Common Stock any
additional shares of stock of any class or any other rights; (iii) there is a
capital reorganization or reclassification of the Common Stock of the Company,
or a consolidation or merger of the Company with, or a share exchange in which
the Common Stock of the Company is being acquired by, or a sale or lease of all
or substantially all of its assets to, another entity; or (iv) there is a
voluntary or involuntary dissolution, liquidation or winding up of the Company;
then, in any one or more of these cases, the Company shall cause to be mailed to
the Holder of this Warrant notice of the date on which (i) the books of the
Company close or a record is taken for the dividend, distribution or
subscription rights, or (ii) the reorganization, reclassification,
consolidation, merger, share exchange, sale, lease, dissolution, liquidation, or
winding up shall take place. The notice also shall specify the date as of which
the holders of the Common Stock of record shall participate in dividend,
distribution or subscription rights, or shall be entitled to exchange their
Common Stock for securities or other property deliverable upon the
reorganization, reclassification, consolidation, merger, share exchange, sale,
lease, dissolution, liquidation, or winding up. The notice shall be given at
least ten (10) days prior to the closing of the transaction in question and not
less than ten (10) days prior to the record date or the date on which the
Company's transfer books are closed with respect to the transaction. Failure to
give the notice, or any defect in the notice, shall not affect the legality or
validity of any transaction covered or to be covered in the notice. On the date
of the dissolution, liquidation or winding up of the Company, if it actually
occurs, this Warrant and all rights existing under this Warrant shall terminate.

                                       5

<PAGE>

     (e)  Form of Warrant. Irrespective of any adjustment or change in the
number or class of shares purchasable under this Warrant or in the Exercise
Price per Share, this Warrant may continue to express the Exercise Price and the
number and class of Shares purchasable upon exercise of this Warrant as the
Exercise Price and the number and class of Shares purchasable were expressed in
this Warrant when it was initially issued.

6.   FRACTIONAL SHARES. The Company shall not be required to issue any
fraction of a Share upon the exercise of this Warrant. In lieu of issuing a
fraction of a Share remaining after exercise of this Warrant as to the full
shares covered hereby, the Corporation shall make a cash payment for any
fraction of a Share equal to the same fraction of the Exercise Price.

7.   LOSS OR DESTRUCTION. Upon receipt of evidence satisfactory to the
Company of the loss, theft, destruction or mutilation of this Warrant and, in
the case of any such loss, theft or destruction, upon delivery of an indemnity
agreement or bond satisfactory in form, substance and amount to the Company or,
in the case of any such mutilation, upon surrender and cancellation of this
Warrant, the Company at its expense will execute and deliver, in lieu thereof, a
new Warrant of like tenor.

8.   SURVIVAL. The various rights and obligations of the Holder hereof as set
forth herein shall survive the exercise and surrender of this Warrant.

9.   NOTICES. Whenever any notice, payment of any purchase price, or other
communication is required to be given or delivered under the terms of this
Warrant, it shall be in writing and delivered by hand delivery or United States
registered or certified mail, return receipt requested, postage prepaid, and
will be deemed to have been given or delivered on the date such notice, purchase
price or other communication is so delivered or posted, as the case may be; and,
if to the Company, it will be addressed to the address specified in Section 1
hereof, or such other address as the Company may specify by written notice given
hereunder, and if to the Holder, it will be addressed to the registered Holder
at his address as it appears on the books of the Company from time to time.

10.  AMENDMENTS. This Warrant may be amended or modified only by an instrument
in writing signed by the Holder and a duly authorized officer of the Company.

11.  GOVERNING LAW. This Warrant shall be governed by, and construed in
accordance with, the laws of the State of Maryland (excluding choice of law
provisions thereof).

                            SIGNATURES ON NEXT PAGE

                                       6

<PAGE>

     IN WITNESS WHEREOF, this Amended and Restated Warrant has been executed by
the undersigned Holder, and by the undersigned officer on behalf of the Company,
under seal as of this _____ day of ________________, 2003.


ATTEST:                                   AMERICASBANK CORP.


                                          By:
-------------------------------------        -----------------------------(SEAL)
A. Gary Rever, Secretary                     Lee W. Warner, Chairman


                                          By:
--------------------------------------       -----------------------------(SEAL)
                                             Name:
                                                  ------------------------------
                                             Warrant Holder
                                  PURCHASE FORM

TO:  AMERICASBANK CORP.

     The undersigned hereby irrevocably elects to exercise the attached Warrant
to the extent of ___________ shares of the Common Stock, par value $0.01 per
share, of AMERICASBANK CORP., and hereby makes payment of $_____________ in
accordance with the provisions of Section l of the Warrant in payment of the
purchase price thereof.

                     INSTRUCTIONS FOR REGISTRATION OF STOCK
                      UPON THE STOCK LEDGER OF THE COMPANY

Name:
     -------------------------
               (Please typewrite or print in block letters)

Address:
        ------------------------

        ------------------------

        ------------------------

                                       7

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                                          --------------------------------------
                                          Signature


                                          --------------------------------------
                                          Name


                                          --------------------------------------
                                          Date


                                          --------------------------------------
                                          Social Security Number

                                       8

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                                 ASSIGNMENT FORM

     For value received, the undersigned hereby sells, assigns and transfers
unto ___________________________________, ____________________________________,
                    (Name)                                 (Address)
__________________________ [all] [that portion] of the within Warrant
      (SSN or FEIN)
exercisable for shares of the Common Stock, par value $0.01 per share, of
AMERICASBANK CORP., together with all related right, title and interest therein,
and does hereby irrevocably constitute and appoint
____________________________________ attorney-in-fact to transfer the Warrant on
the books of AMERICASBANK CORP. with full power of substitution in the premises.


                                          --------------------------------------
                                          Signature


                                          --------------------------------------
                                          Name


                                          --------------------------------------
                                          Date