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SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
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FORM 8-K
CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(D) OF THE
SECURITIES EXCHANGE ACT OF 1934
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Date of Report (Date of earliest event reported): October 17, 2002
PROVIDENT BANKSHARES CORPORATION
(Exact name of registrant as specified in charter)
MARYLAND 0-16421 52-1518642
(State or other (Commission (IRS Employer
jurisdiction of File Number) Identification No.)
incorporation)
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)
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Items 1, 2, 3, 4, 5, 6, and 8. Not Applicable.
Item 7. Financial Statements and Exhibits
(a) Not applicable
(b) Not applicable
(c) Attached as an exhibit is the transcript of the October 17, 2002
telephone conference call realting to the Company earnings release for the
quarter ended September 30, 2002.
Item 9. Regulation FD Disclosure.
On October 17, 2002, Provident Bankshares Corporation participated in
a telephone conference call relating to its earnings release for the quarter
ended September 30, 2002. A transcript of the conference call is attached as an
Exhibit hereto.
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SIGNATURES
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.
PROVIDENT BANKSHARES CORPORATION
By: /s/ Peter M. Martin
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Peter M. Martin
Chairman of the Board and Chief Executive Officer
Date: October 21, 2002
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Exhibit Index
Exhibit No. Description
99.1 Transcript of October 17, 2002 Telephone Conference Call.
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