Market Summary of Stock
First United Corporation’s common stock trades on The Nasdaq Stock MarketSM under the symbol FUNC. The following summary reflects the high and low trades during the period, as well as the closing price for the years ended December 31, 2002 and 2001.
  Cash Dividends
Cash dividends were paid by the Corporation on the dates indicated in the following manner: 		 


If you need assistance in any of the following areas:
    • change in registration
    • reporting lost certificates
    • nonreceipt or loss of dividend checks
    • information on the dividend reinvestment plan

Please contact our transfer agent at:
    Mellon Investor Services, LLC
    85 Callenger Road,
    Overpeck Centre
    Ridgefield Park, NJ 07660
    www.mellon-investor.com
    First United’s Direct Line:
    1-800-953-2593

S.E.C. Form 10-k
The Corporation files an annual report on Form 10-K with the Securities and Exchange Commission. A copy of this statement will be sent without charge to any shareholder who requests in writing to:
    Robert W. Kurtz, Secretary
    First United Corporation
    c/o First United Bank & Trust
    P.O. Box 9
    Oakland, MD 21550-0009

Shareholders’ Meeting
The annual shareholders’ meeting will be held on:
    Tuesday, April 29, 2003, 3:00 p.m.
    Wisp at Deep Creek
    Mountain Resort
    McHenry, MD 21541

Ferris, Baker Watts
12 North Liberty Street
Cumberland, MD 21502
(301) 724-7161
(800) 776-0629

113 South Potomac Street
Hagerstown, MD 21740
(301) 733-7111
(800) 344-4413

Advest, Inc.
90 State House Square
Hartford, CT 06103
(860) 509-1000
(800) 797-9642

Scott & Stringfellow, Inc.
909 East Main Street
Richmond, VA 23219
(804) 782-8819
(800) 552-7757