Exhibit 4.3
                               Authorization Form





AUTHORIZATION FOR DIVIDEND REINVESTMENT AND STOCK PURCHASE PLAN

To  participate  in the  First  United  Corporation  ("First  United")  Dividend
Reinvestment  and Share Purchase Plan,  complete and sign below and return it in
the enclosed envelope.

This will  authorize  First  United to  forward  to the  Administrator  all or a
portion of the  dividends on common stock to be invested to purchase  additional
shares of First United common  stock.  All  investments  are made subject to the
terms and conditions of the Service as set forth in the accompanying brochure.

This  authorization and appointment are given by you with the understanding that
you may terminate them at any time by so notifying the Administrator.

To deposit your shares for  safekeeping,  check the appropriate  box below,  and
return this card and your stock certificates via registered mail, return receipt
requested.

If you  would  like to have your  dividends  deposited  automatically  into your
checking or savings account, complete the section below for Direct Deposit.

                           Please read carefully.  This is not a proxy.
                           Return this form only if you wish to participate
                           in the Service.

Please enroll me in the First United Corporation Dividend Reinvestment and Stock
Purchase Plan



      |_|      Full  Dividend  Reinvestment.  Please apply the  dividends on all
               shares of common stock that I currently own as well as all future
               shares that I acquire.

      |_|      Partial Dividend  Reinvestment.  Please remit to me the dividends
               on _________ shares.
               I understand that the dividends on my remaining  shares,  as well
               as all future shares that I acquire will be reinvested  under the
               Service.

      |_|      All Cash (no dividend reinvestment)

               Date:
                      ----------------------------------------------

               Signature(s)
                           -----------------------------------------

               -----------------------------------------------------
               All joint  owners must sign  exactly as names appear on the stock
               certificates.


      |_|      Direct Deposit. I hereby authorize to have my dividends deposited
               automatically in my bank account. If this option is not selected,
               your dividend check will be automatically mailed to your address.

               (You must  complete this section and return the form along with a
               personal  voided check or  preprinted  deposit slip to enroll for
               Direct Deposit of your dividends.  Your financial institution can
               provide you with the following required information.)

               Type of Account:        |_|  Checking             |_|   Savings

               Financial Institution RT/ABA Number:
                                                     ---------------------------

               Checking/Savings Account Number:
                                                     ---------------------------

               Safekeeping.  Deposit the enclosed  ________ shares  of stock for
               safekeeping.


               Mail completed form to:    Mellon Bank, N.A.,
                                          c/o Mellon Investor Services
                                          P.O. Box 3339,
                                          South Hackensack, NJ 07606-1939