Merrill Merchants Bancshares (MERB) 8-K Financial statements and exhibits

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 20, 2003

Merrill Merchants Bancshares, Inc.

(Exact name of registrant as specified in its charter)

Maine	000-24715	01-0471507
(State or other jurisdiction of in Company)	(Commission File Number)	(IRS Employer Identification No.)

201 Main Street, Bangor, Maine 04401

(Address of principal executive offices, including zip code)

Registrant’s telephone number, including area code:  (207) 942-4800

Not Applicable

(Former name or former address, if changed since 1^st report)

Items 1 through 6 and 8.    Not Applicable.

Item 7.Financial Statements and Exhibits.

No financial statements are required to be filed as part of this Report.  The following exhibits are filed as part of this Report:

Exhibit No.	Description
99.1	Press release issued by Merrill Merchants Bancshares, Inc. on October 20, 2003, furnished in accordance with Item 12 of this Current Report on Form 8-K.

Item 9.Regulation FD Disclosure.

Earnings Release, dated October 20, 2003

The following information is furnished under this Item 9 solely in satisfaction of Item 12, “Disclosure of Results of Operations and Financial Condition.”

On October 20, 2003, the Company announced its earnings for the third quarter of the 2003 fiscal year.  A copy of the press release dated October 20, 2003, describing third quarter earnings is attached as Exhibit 99.1.

Item 10-11.Not applicable.

Item 12.Results of Operations and Financial Condition

See Item 9 – “Earnings Release, dated October 20, 2003,” per SEC Release 33-8216, March 27, 2003.

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SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	Merrill Merchants Bancshares, Inc.
	By:	/s/ Deborah A. Jordan
		Chief Financial Officer
Dated: October 21, 2003

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Exhibit Index

Exhibit No.	Description
99.1	Press release issued by Merrill Merchants Bancshares, Inc. on October 20, 2003, furnished in accordance with Item 12 of this Current Report on Form 8-K.

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