Exhibit 3

                                   RESOLUTIONS
                                     OF THE
                              BOARD OF DIRECTORS OF
                         WYMAN PARK BANCORPORATION, INC.
                                   RELATING TO
                            AMENDMENTS TO THE BY-LAWS

         WHEREAS,  the Board of Directors  (the  "Board") met and  discussed its
intention   that  the  Company   continue  to  be  the  holding   company  of  a
community-oriented  financial  institution  designed  to meet  the  needs of the
communities it serves; and

         WHEREAS, substantially all of the Company's loans are originated within
its primary market area and  substantially all of its deposits are obtained from
individuals or entities located in its primary market area; and

         WHEREAS,  the Board has determined  that in order to adequately  assess
and best serve the needs of the Company's primary market area a director must be
knowledgeable  of and actively  involved in the  communities the Company serves;
and

         WHEREAS, the Board believes, based upon the foregoing, that it would be
appropriate  and in the best  interest of the Company  and its  shareholders  to
amend its By-laws to require  that all  directors  be domiciled in or have their
primary place of business located in the Company's primary market area; and

         WHEREAS,  the  Board  has  considered  the  size and  diversity  of the
population  base of its primary  market area and believes  that, if necessary or
desired, there is a sufficient pool of potentially qualified individuals located
therein who would be available for consideration for nomination as a director of
the Company; and

         WHEREAS,  the Board has further  reviewed  the bylaws of the Company in
order to  ensure  that they  serve and  provide  sufficient  flexibility  to the
Company and has determined, upon consultation with counsel, that certain further
amendments  be made to such  bylaws  in order to assist  in  accomplishing  such
goals.

         NOW THEREFORE, be it

         RESOLVED,  that the Board hereby  approves the adoption of an amendment
to Article II of the By-laws by adding the following new Section 10, as follows:

                           Section 10.  Qualifications.  Any member of the Board
         of  directors  shall,  in order to qualify as such,  be domiciled in or
         have his or her  primary  place of business  located in any  county,  a
         portion of which is within a  twenty-five  mile radius of any office of
         any financial institution subsidiary of the Company.





         BE IT FURTHER RESOLVED, that the appropriate officers of the Company be
and  hereby  are  authorized  and  directed  to take  all  action  necessary  or
appropriate to implement the foregoing  resolutions  and any actions  previously
taken by such officers be and hereby are approved, ratified and confirmed.

         I,  Charmaine  M.  Snyder,  the duly  elected  Secretary  of Wyman Park
Bancorporation,  Inc.,  hereby certify that the foregoing is a true and accurate
copy of the  resolutions  adopted by the Board of  Directors of the company at a
meeting held on 11th day of March,  1998,  where a quorum was present and acting
throughout.





Date: March 11, 1998                                 /s/ Charmaine M. Snyder
                                                     -----------------------
                                                         Charmaine M. Snyder