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Provident Bankshares Corporation to Present at Sandler O'Neill Financial Services Conference

    BALTIMORE, Nov. 5 /PRNewswire-FirstCall/ -- Gary N. Geisel, Chairman and
Chief Executive Officer, and Dennis A. Starliper, Executive Vice President and
Chief Financial Officer of Provident Bankshares Corporation (Nasdaq: PBKS),
will be presenting at the 2004 Sandler O'Neill & Partners, L.P. Financial
Services Conference on Thursday, November 11 at 8:20 a.m. E.S.T. in Palm Beach
Gardens, Florida.
    Interested investors may listen to Provident's presentation by dialing
1-706-645-9215, referencing the "Sandler O'Neill Conference" and requesting
"Session 3."  Additionally, investors may access Provident's presentation via
a simultaneous webcast.  To access the webcast, go to
http://www.sandleroneill.com.  There will also be an archived webcast
available for 30 days after the event, beginning November 12, 2004 at the same
location.  The presentation document will be available on Provident's website
by accessing http://www.provbank.com.


SOURCE Provident Bankshares Corporation




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    CONTACT:
    Media - Lillian Kilroy, +1-410-277-2833, or
    Investment Community - Patricia Ferrick, +1-703-352-2583, both of
    Provident Bankshares Corporation