HARBOR FEDERAL BANCORP INC
15-12G, 2000-09-01
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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<PAGE> 1


                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


                                     FORM 15

 CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION 12(G) OF
THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS UNDER
          SECTIONS 13 AND 15(D)OF THE SECURITIES EXCHANGE ACT OF 1934.

                           COMMISSION FILE NO. 0-24194

                          HARBOR FEDERAL BANCORP, INC.
             (Exact name of registrant as specified in its charter)

            705 YORK ROAD, BALTIMORE, MARYLAND 21204, (410) 321-7041
    (Address, including zip code and telephone number including area code of
                   registrant's principal executive offices)

                          COMMON STOCK, PAR VALUE $0.01
            (Title of each class of securities covered by this form)

                                      NONE
  (Titles of all other classes of securities for which a duty to file reports
                     under section 13(a) or 15(d) remains)

      Please place an X in the box(es) to designate the appropriate rule
provision(s) relied upon to terminate or suspend the duty to file reports:

            Rule 12g-4(a)(1)(i)   [X]       Rule 12h-3(b)(1)(i)    [ ]
            Rule 12g-4(a)(1)(ii)  [ ]       Rule 12h-3(b)(1)(ii)   [ ]
            Rule 12g-4(a)(2)(i)   [ ]       Rule 12h-3(b)(2)(i)    [ ]
            Rule 12g-4(a)(2)(ii)  [ ]       Rule 12h-3(b)(2)(ii)   [ ]
                                            Rule 15d-6             [ ]

      Approximate number of holders of record as of the certification date:

                                        0

      Pursuant to the requirements of the Securities Exchange Act of 1934,
Provident Bankshares Corporation has caused this certification/notice to be
signed on its behalf by the undersigned duly authorized person.

DATE: September 1, 2000             BY: /s/ Peter M. Martin
                                        ----------------------------------------
                                         Peter M. Martin
                                         Chairman of the Board of Directors,
                                           President and Chief Executive Officer
                                         Provident Bankshares Corporation



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