UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT
                     PURSUANT TO SECTION 13 OR 15(d) OF THE
                         SECURITIES EXCHANGE ACT OF 1934


       Date of Report (Date of earliest event reported): November 13, 2003


                             SHORE BANCSHARES, INC.
             (Exact name of registrant as specified in its charter)


              Maryland                      0-22345            52-1974638
              --------                     ---------          ----------
     (State or other jurisdiction of (Commission file number)   (IRS Employer
     incorporation or organization)                          Identification No.)


                  18 East Dover Street, Easton, Maryland 21601
               (Address of principal executive offices) (Zip Code)


                                 (410) 822-1400
              (Registrant's telephone number, including area code)


                                       N/A
          (Former Name or Former Address, if Changed Since Last Report)





ITEM 12.  Results of Operation and Financial Condition.

     On November 13, 2003, Shore Bancshares, Inc. (the "Company") issued a press
release  describing  the  Company's  financial  results  for the  quarter  ended
September 30, 2003, a copy of which is furnished herewith as Exhibit 99.1.

     The  information  contained in this Item 12 shall not be deemed "filed" for
purposes of Section 18 of the  Securities  Exchange Act of 1934, as amended (the
"Exchange Act"), or incorporated by reference in any filing under the Securities
Act of 1933, as amended,  or the Exchange Act,  except as shall be expressly set
forth by specific reference in such a filing.

                                   SIGNATURES

     Pursuant  to the  requirements  of  Section  13 or 15(d) of the  Securities
Exchange Act of 1934, the registrant has duly caused this report to be signed on
its behalf by the undersigned, thereunto duly authorized.

                                    SHORE BANCSHARES, INC.


Dated:   November 14, 2003          By: /s/ W. Moorhead Vermilye
                                        -----------------------------------
                                        W. Moorhead Vermilye
                                        President and CEO





                                  EXHIBIT INDEX

Exhibit
Number   Description
- ------   -----------

Exhibit 99.1 Press Release dated November 13, 2003.