Seated, left to right Mark K. Joseph Chairman of the Board and Chief Executive Officer Municipal Mortgage & Equity, L.L.C. Carl W. Stearn Chairman of the Executive Committee and Retired Chairman and Chief Executive Officer Provident Bankshares Corporation Peter M. Martin Chairman and Chief Executive Officer Provident Bankshares Corporation Herbert W. Jorgensen Former Chairman of the Board, Chief Executive Officer Citizens Savings Bank Melvin A. Bilal President Bilal Consulting Standing, left to right Sister Rosemarie Nassif President Holy Names College Ward B. Coe III, Esquire Partner Whiteford, Taylor & Preston, LLP Frederick W. Meier Jr. President Lord Baltimore Capital Corp. Charles W. Cole Jr. Chairman of the Board Legg Mason Trust, F.S.B. Dr. Calvin W. Burnett President Coppin State College Sheila K. Riggs Chairperson Maryland Health and Higher Education Facilities Authority Enos K. Fry Group Manager, Washington Metro Area Provident Bank Barbara B. Lucas Senior Vice President and Corporate Secretary The Black & Decker Corporation Francis G. Riggs Executive Vice President and Director Riggs, Counselman, Michaels & Downes, Inc. Not pictured Gary N. Geisel President and Chief Operating Officer Provident Bankshares Corporation Thomas S. Bozzuto President The Bozzuto Group Pierce B. Dunn Chairman of the Board MIRCON, Inc.