EXHIBIT 5

                         KENNEDY, BARIS & LUNDY, L.L.P.
                                ATTORNEYS AT LAW
                                   SUITE P-15
    TEXAS OFFICE:              4701 SANGAMORE ROAD       WASHINGTON DC OFFICE:
     SUITE 2550                 BETHESDA, MD 20816             SUITE 320
112 EAST PECAN STREET             (301) 229-3400      1225 NINETEENTH STREET, NW
   SAN ANTONIO, TX 78205        FAX: 301) 229-2443        WASHINGTON, DC 20036
    (210) 228-9500                                          (202) 835-0313
  FAX: (210) 228-0781                                     FAX: (202) 835-0319



                                 January 8, 2004



Board of Directors
Frederick County Bancorp, Inc.
30 West Patrick Street
Frederick, Maryland   21701

Gentlemen:

         As special legal counsel to Frederick County Bancorp, Inc. (the
"Company"), we have participated in the preparation of the Company's
Registration Statement on Form S-8 to be filed with the Securities and Exchange
Commission pursuant to the Securities Act of 1933, as amended, relating to the
issuance of up to 71,524 shares, as adjusted (the "Shares") of the Company's
Common Stock in connection with the Company's 2001 Stock Option Plan (the
"Plan").

         As counsel to the Company, we have examined such corporate records,
certificates and other documents of the Company, and made such examinations of
law and other inquiries of such officers of the Company, as we have deemed
necessary or appropriate for purposes of this opinion. Based upon such
examinations we are of the opinion that the Shares, when issued in accordance
with the provisions of the Plan and awards granted pursuant thereto, will be
duly authorized, validly issued, fully paid and non-assessable shares of the
Common Stock of the Company.

         We hereby consent to the inclusion of this opinion as an exhibit to the
Registration Statement on Form S-8 filed by the Company and to the reference to
our firm contained.


                                              Sincerely,



                                              /s/ Kennedy, Baris & Lundy, L.L.P.