<PAGE> 1
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
--------------------------------
FORM 8-K
CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(D) OF THE
SECURITIES EXCHANGE ACT OF 1934
---------------------------------
Date of Report (Date of earliest event reported): October 18, 2000
PROVIDENT BANKSHARES CORPORATION
(Exact name of registrant as specified in its charter)
MARYLAND 0-16421 52-1518642
(State or other Juris- (Commission (IRS Employer
diction of Incorporation) File Number) Identification No.)
114 EAST LEXINGTON STREET, BALTIMORE, MARYLAND 21202
(Address of principal executive offices, including zip code)
Registrant's telephone number, including area code: (410) 277-7000
NOT APPLICABLE
(Former name or former address, if changed since last report)
<PAGE> 2
ITEMS 1, 2, 3, 4, 6, 7, 8 AND 9. NOT APPLICABLE.
ITEM 5. OTHER EVENTS.
------------
On October 18, 2000, Provident Bankshares Corporation issued a press
release regarding the repositioning of its mortgage lending operation. A copy
of the press release is attached as Exhibit 99.1
2
<PAGE> 3
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, as
amended, the Registrant has duly caused this report to be signed on its behalf
by the undersigned hereunto duly authorized.
PROVIDENT BANKSHARES CORPORATION
By: /s/ Peter M. Martin
-------------------------------------
Peter M. Martin
Chairman of the Board, President
and Chief Executive Officer
Dated: October 18, 2000
3
