CERTIFICATION


         I ACKNOWLEDGE THAT THIS SECURITY IS NOT A DEPOSIT OR ACCOUNT AND IS NOT
FEDERALLY  INSURED,  AND IS NOT GUARANTEED BY WYMAN PARK FEDERAL  SAVINGS & LOAN
ASSOCIATION, OR BY THE FEDERAL GOVERNMENT.

         If  anyone   asserts  that  this  security  is  federally   insured  or
guaranteed,  or is as safe as an insured  deposit,  I should  call the Office of
Thrift Supervision, Central Regional Director, John Ryan (404) 888-0771.

         I further  certify that,  before  purchasing the common stock par value
$0.01 of Wyman Park Bancorporation, Inc., the proposed holding company for Wyman
Park  Federal  Savings & Loan  Association  (the  "Association"),  I  received a
prospectus dated ___________, 1997 (the "Prospectus").

         The  Prospectus  that I received  contains  disclosure  concerning  the
nature of the security  being offered and  describes  the risks  involved in the
investment,  including, but not limited to: vulnerability to changes in interest
rates; competition;  geographical  concentration of loans; certain anti-takeover
provisions;  voting  control of shares by the  board,  management  and  employee
plans;  low  return of equity and low net  interest  margin;  ESOP  compensation
expense;   absence  of  active  market  for  common  stock;   proposed   federal
legislation; risk of delayed offering.

         For a more detailed  description of the risks involved in the offering,
see "Risk Factors" at pages __ through __ of the Prospectus.

         In addition, the certificate of incorporation of the Company requires a
vote of 80% of stockholders  to remove  directors,  to approve certain  business
combinations  or to amend the certificate of  incorporation,  which may have the
effect of discouraging a future takeover attempt of the Company.  For additional
information, see pages ___ through ___ of the Prospectus.



NOTE:       If the stock is to be held jointly,
            both parties must sign.

Signature:



Signature:


Date: