MERCANTILE BANKSHARES CORP
S-4, EX-99, 2000-09-21
STATE COMMERCIAL BANKS
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                                                                      EXHIBIT 99

                              The Bank of Fruitland
               Proxy Solicited on behalf of the Board of Directors



         The undersigned stockholder of The Bank of Fruitland hereby appoints
John B. Long, II and Hugh P. McLaughlin, and either of them, as lawful attorneys
and proxies of the undersigned, with several power of substitution, to vote all
shares of the common stock of The Bank of Fruitland which the undersigned is
entitled to vote at the Special Meeting of the Stockholders of The Bank of
Fruitland to be held on October [ ], 2000 at a./p.m. at 109 East Main Street,
Fruitland, Maryland 21826 or at any adjournment thereof as follows:

THE BOARD OF DIRECTORS RECOMMENDS A VOTE FOR THE MERGER PROPOSAL

1.       To approve the merger of The Bank of Fruitland into Peninsula Bank
         provided for in the Agreement and Plan of Affiliation and Merger, dated
         June 2, 2000, including the Agreement of Merger attached as an exhibit
         thereto, under which each share of common stock of The Bank of
         Fruitland (other than shares held by The Bank of Fruitland's
         stockholders who perfect their dissenters' rights) automatically will
         convert into 2.5 shares of the common stock of Mercantile Bankshares
         Corporation, with cash being paid in lieu of fractional shares.

                         |_| FOR |_| AGAINST |_| ABSTAIN




2.     In their discretion, to vote upon such other business as may properly
       come before the meeting.

                                  (Continued and to be signed on the other side)
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The shares represented by this proxy will be voted as directed in this proxy. If
no specific instructions are given, the shares represented by this proxy will be
voted "FOR" approval of the merger and in the best discretion of the proxy
holders as to other matters.


                                     Dated:                     , 2000
                                            --------------------


                                     ------------------------------------------
                                     Signature of Owner

                                     ------------------------------------------
                                     Additional Signature of Joint Owner

                                     Please sign exactly as your name appears
                                     hereon. If stock is jointly held, each
                                     joint owner should sign. When signing as
                                     attorney, executor, administrator, trustee
                                     or guardian please give full title as such.



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