8-K

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): February 1, 2011

Bryn Mawr Bank Corporation

(Exact Name of Registrant as specified in its charter)

Pennsylvania	0-15261	23-2434506
(State or other jurisdiction of incorporation)	(Commission File Number)	(I.R.S. Employer Identification No.)

801 Lancaster Avenue, Bryn Mawr, PA 19010

Registrant’s telephone number, including area code: 610-525-1700

None

(Former name or former address, if changed since last report)

Check the appropriate box below if the form 8-K filing is intended to simultaneously satisfy the filing obligations of the registrant under any of the following provisions (see General Instructions A.2. below):

¨ Written communications pursuant to Rule 425 under the Securities Act (17CFR 230.425)

¨ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17CFR 240.14a-12)

¨ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17CFR 240.14d-2(b))

¨ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17CFR 240.13e-4(c))

Item 2.02. Disclosure of Results of Operations and Financial Condition.

On February 1, 2011, Bryn Mawr Bank Corporation (the “Corporation”), the parent of The Bryn Mawr Trust Company (the “Bank”) issued a Press Release announcing the results of operations for the quarter ending December 31, 2010 (the “Press Release”). The Press Release is attached as Exhibit 99.1 hereto and incorporated into this Item 2.02 by reference.

Item 7.01. Regulation FD Disclosure.

The Corporation has posted to its website an updated slide presentation which is attached hereto as Exhibit 99.2 and incorporated into this Item 7.01 by reference.

Also, attached hereto as Exhibit 99.3 and incorporated into this Item 7.01 by reference is the script for the Corporation’s February 2, 2011 earnings conference call.

The information in this Current Report on Form 8-K, including the exhibits attached hereto and incorporated by reference into Items 2.02 and 7.01 hereof, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities under that Section. Furthermore, such information, including the exhibits attached hereto, shall not be deemed incorporated by reference into any of the Corporation’s reports or filings with the Securities and Exchange Commission, whether made before or after the date hereof, except as expressly set forth by specific reference in such report or filing. The information in this Current Report on Form 8-K, including the exhibits attached hereto, shall not be deemed an admission as to the materiality of any information in this report on Form 8-K that is required to be disclosed solely to satisfy the requirements of Regulation FD.

Item 9.01. Financial Statements and Exhibits

(d) 99.1 — Press release announcing the results of operations for the quarter ending December 31, 2010.

99.2 — Updated slide presentation

99.3 — Script for February 2, 2011 earnings conference call

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SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.

BRYN MAWR BANK CORPORATION
By:	/S/    FREDERICK C. PETERS II
	Frederick C. Peters II, President and Chief Executive Officer

Date: February 1, 2011

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EXHIBIT INDEX

Exhibit 99.1 Press release dated February 1, 2011

Exhibit 99.2 — Updated slide presentation

Exhibit 99.3 — Script for February 2, 2011 earnings conference call

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EX-99.1

Exhibit 99.1

Bryn Mawr Bank Corporation

FOR RELEASE: IMMEDIATELY	Ted Peters, Chairman
FOR MORE INFORMATION CONTACT:	610-581-4800
	J. Duncan Smith, CFO
	610-526-2466

Bryn Mawr Bank Corporation Reports Record Fourth Quarter Earnings, Wealth Asset

Growth of 18.9% and Increases Quarterly Dividend by 7.1%

BRYN MAWR, Pa., February 1, 2011 - Bryn Mawr Bank Corporation (NASDAQ: BMTC), (the “Corporation”), parent of The Bryn Mawr Trust Company (the “Bank”), today announced diluted earnings per share of $0.46 for the fourth quarter of 2010, an increase of $0.16 per share, or 53.3%, over the fourth quarter 2009 diluted earnings per share of $0.30. Net income for the fourth quarter of 2010 was $5.57 million, an increase of $2.93 million, or 111.0%, over the fourth quarter 2009 net income of $2.64 million.

Additionally, on January 27, 2011, the Corporation declared a quarterly dividend of $0.15 per share, an increase of $0.01, or 7.1%, from the prior quarter. The dividend is payable March 1, 2011, to shareholders of record as of February 14, 2011.

Also, the Corporation reported diluted earnings per share for the twelve months ended December 31, 2010, of $0.85, a decrease of $0.33, or 28.0%, as compared to $1.18 for the same period in 2009. Net income for the twelve months ended December 31, 2010 of $9.17 million was $1.16 million, or 11.3%, lower than the $10.34 million reported for the same period in 2009. Net income for the twelve months ended December 31, 2010 includes pre-tax merger-related and due diligence expenses of $5.7 million.

The merger with First Keystone Financial, Inc. (“FKF”), and its primary subsidiary, First Keystone Bank (“FKB”), occurred on July 1, 2010, and included the acquisition of $275 million of loans, $101 million of investment securities, and deposits of $321 million. Accordingly, this

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acquisition accounts for a significant portion of the increase in assets and liabilities at December 31, 2010, as compared to December 31, 2009. It also impacts the comparability of certain income statement line items for the quarter and year ended December 31, 2010, as compared to the same periods last year.

Ted Peters, Chairman and Chief Executive Officer, commented, “We had a strong finish to the year and are looking forward to 2011. The merger integration with First Keystone Bank, which began last summer, has gone extremely well, and Bryn Mawr Trust is now the largest community bank in the western suburbs of Philadelphia.”

Mr. Peters commented further, “The increase in the quarterly dividend of $0.01 per share, or 7.1%, to $0.15 per share, is indicative of the confidence we have in our business model of combining a high quality community bank with top notch wealth management services.”

SIGNIFICANT ITEMS OF NOTE

• Revenue from the Wealth Management Division for the fourth quarter of 2010 was $4.1 million, an increase of 13.5% from fourth quarter 2009 revenue of $3.6 million. For the twelve months ended December 31, 2010, revenue from Wealth Management services was $15.5 million, an increase of $1.3 million, or 9.3%, from the same period last year. Wealth Management Division assets under management, administration, supervision and brokerage at December 31, 2010 were $3.41 billion, up approximately $122 million, or 3.7%, from September 30, 2010, and up approximately $541 million, or 18.9%, from December 31, 2009. These increases are due largely to the success of new initiatives within the division and asset appreciation resulting from improvements in the financial markets.

• Net income for the fourth quarter 2010 increased $6.6 million, as compared to the quarter ended September 30, 2010. The increase was partially the result of a $3.9 million decrease in merger-related and due diligence expenses for the fourth quarter of 2010, as compared to the previous quarter. Other factors contributing to the improvement in net income include increases in fees for Wealth Management services, discussed above, along with an increase in gain on sale of residential mortgage loans, recovery in the value of mortgage servicing rights, and a decrease in the provision for loan and lease losses.

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• Net gain on the sale of residential mortgage loans for the quarter ended December 31, 2010 was $2.4 million. The increase of $1.5 million, or 179%, from $0.9 million for the quarter ended December 31, 2009, was largely due to the lower interest rate environment during the fourth quarter of 2010, which resulted in a 136% increase in mortgage loans sold from $33 million during the fourth quarter of 2009 to $78 million for the fourth quarter of 2010.

• Asset quality remains strong at December 31, 2010; the allowance for loan and lease losses (the “allowance”) of $10.3 million was 0.86% of portfolio loans and leases, as compared to $10.3 million, or 0.88% of portfolio loans and leases, at September 30, 2010. This amount remained relatively unchanged during the quarter ended December 31, 2010, as a result of the stability of both asset quality and the level of non-performing loans. The calculation of the allowance, as a percentage of loans and leases, includes the acquired FKF loan portfolio which, in accordance with GAAP, was recorded at its fair value without its previously recorded allowance for loan and lease losses.

• The provision for loan and lease losses for the fourth quarter of 2010 decreased $2.7 million, to $1.5 million, from $4.2 million in the third quarter of 2010. This decrease resulted from the increased provision for loan and lease losses that was recorded in the third quarter of 2010 related to two commercial relationships.

Capital ratios, as shown in the following table, reflect the impact of the FKF merger and the $24.6 million registered direct stock offering completed in May 2010.

	12/31/2010			9/30/2010			12/31/2009
Bryn Mawr Trust Company
Tier I Capital to Risk Weighted Assets (RWA)		11.05	%		10.37	%		9.06	%
Total (Tier II) Capital to RWA		13.47	%		12.77	%		12.20	%
Tier I Leverage Ratio		8.62	%		8.27	%		8.03	%
Tangible Common Equity Ratio		8.42	%		8.20	%		7.22	%
Bryn Mawr Bank Corporation
Tier I Capital to Risk Weighted Assets (RWA)		11.30	%		10.82	%		9.41	%
Total (Tier II) Capital to RWA		13.71	%		13.21	%		12.53	%
Tier I Leverage Ratio		8.85	%		8.65	%		8.35	%
Tangible Common Equity Ratio		8.01	%		7.95	%		7.51	%

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• Total portfolio loans and leases of $1.20 billion at December 31, 2010 increased $21 million, or 1.8%, as compared to $1.18 billion at September 30, 2010. The growth was primarily attributable to new business development efforts.

• Deposits of $1.34 billion at December 31, 2010, increased $81 million, or 6.43%, from $1.26 billion at September 30, 2010. This growth was largely due to seasonal growth trends, continued strong branch activity and funding of accounts opened in previous quarters.

• The tax equivalent net interest margin was 3.73% for the fourth quarter of 2010, up 7 basis points from the third quarter 2010 margin of 3.66% primarily due to the decline in the cost of interest bearing liabilities. The tax equivalent net interest margin for the fourth quarter of 2010 decreased 12 basis points from the fourth quarter 2009 margin of 3.85%, primarily due to the increase in lower-yielding cash balances, and a decline in the yield earned on the investment portfolio.

• The Corporation’s investment portfolio at December 31, 2010 had a fair market value of $317.1 million, as compared to $356.8 million at September 30, 2010. This decrease of $39.7 million, or 11.1%, was the result of Management’s decision to use cash flows from the investment portfolio, along with deposit inflows, to reduce Federal Home Loan Bank advances.

• The Corporation recognized a recovery in mortgage servicing rights of $356 thousand for the three months ended December 31, 2010, as compared to an impairment of $168 thousand for the three months ended September 30, 2010. The recovery is attributed primarily to the increase in interest rates, resulting in the projection of slower prepayment speeds at the end of the fourth quarter of 2010, as compared to the end of the prior quarter.

• The Corporation’s effective tax rate for the quarter ended December 31, 2010 of 32.1% is 3.0% lower than the rate of 35.1% for the same period last year due, in part, to the utilization of capital loss carry-forwards, higher tax-free income from municipal securities, tax-free bank owned life insurance income and other items.

EARNINGS CONFERENCE CALL

The Corporation will hold an earnings conference call at 8:30 a.m. EST on Wednesday, February 2, 2011. Interested parties may participate by calling 1-877-317-6789, conference

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number 447208. A taped replay of the conference call will be available within two hours of the conclusion of the call and will remain available through February 15, 2011. The number to call for the taped replay is 1-877-344-7529 and the Replay Passcode is 447208.

The conference call will be simultaneously broadcast live over the Internet through a webcast on the investor relations portion of the Bryn Mawr Bank Corporation’s website. To access the call, please visit the website at http://www.bmtc.com/investor_01.cfm. An online archive of the webcast will be available within one hour of the conclusion of the call. The Corporation has also recently expanded its Investor Relations website to include added resources and information for shareholders and interested investors. Interested parties are encouraged to utilize the expanded resources of the site for more information on Bryn Mawr Bank Corporation or by calling Aaron Strenkoski, Vice President – Finance/Investor Relations at 610-581-4822.

FORWARD LOOKING STATEMENTS AND SAFE HARBOR

This press release contains statements which, to the extent that they are not recitations of historical fact may constitute forward-looking statements for purposes of the Securities Act of 1933, as amended, and the Securities Exchange Act of 1934, as amended. Such forward-looking statements may include financial and other projections as well as statements regarding the Corporation’s future plans, objectives, performance, revenues, growth, profits, operating expenses or the Corporation’s underlying assumptions. The words “may”, “would”, “should”, “could”, “will”, “likely”, “possibly”, “expect,” “anticipate,” “intend”, “estimate”, “target”, “potentially”, “probably”, “outlook”, “predict”, “contemplate”, “continue”, “plan”, “forecast”, “project” and “believe” or other similar words and phrases may identify forward-looking statements. Persons reading this press release are cautioned that such statements are only predictions, and that the Corporation’s actual future results or performance may be materially different.

Such forward-looking statements involve known and unknown risks and uncertainties. A number of factors, many of which are beyond the Corporation’s control, could cause our actual results, events or developments, or industry results, to be materially different from any future results, events or developments expressed, implied or anticipated by such forward-looking statements, and so our business and financial condition and results of operations could be materially and adversely affected. Such factors include, among others, our need for capital, our

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ability to control operating costs and expenses, and to manage loan and lease delinquency rates; the credit risks of lending activities and overall quality of the composition of our loan, lease and securities portfolio; the impact of economic conditions, consumer and business spending habits, and real estate market conditions on our business and in our market area; changes in the levels of general interest rates, deposit interest rates, or net interest margin and funding sources; changes in banking regulations and policies and the possibility that any banking agency approvals we might require for certain activities will not be obtained in a timely manner or at all or will be conditioned in a manner that would impair our ability to implement our business plans; changes in accounting policies and practices; the inability of key third-party providers to perform their obligations to us; our ability to attract and retain key personnel; competition in our marketplace; war or terrorist activities; material differences in the actual financial results, cost savings and revenue enhancements associated with our acquisition via the merger of First Keystone Financial, Inc. and First Keystone Bank; and other factors as described in our securities filings. All forward-looking statements and information set forth herein are based on Management’s current beliefs and assumptions as of the date hereof and speak only as of the date they are made. The Corporation does not undertake to update forward-looking statements.

For a complete discussion of the assumptions, risks and uncertainties related to our business, you are encouraged to review our filings with the Securities and Exchange Commission, including our most recent annual report on Form 10-K, as well as any changes in risk factors that we may identify in our quarterly or other reports filed with the SEC.

# # # #

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Bryn Mawr Bank Corporation

Consolidated Statements of Income - (unaudited)

(Dollars in thousands, except per share data)

	For The Three Months Ended
	Dec 31, 2010			Sept 30, 2010			June 30, 2010			Mar 31, 2010			Dec 31, 2009
Interest income	$	18,605		$	18,473		$	13,824		$	13,894		$	14,191
Interest expense		3,405			3,691			2,773			2,777			3,266
Net interest income		15,200			14,782			11,051			11,117			10,925
Provision for loan and lease losses		1,511			4,236			994			3,113			1,302
Net interest income after provision for loan and lease losses		13,689			10,546			10,057			8,004			9,623
Fees for wealth management services		4,081			3,689			3,898			3,831			3,597
Loan servicing and other fees		443			422			379			381			386
Service charges on deposits		645			672			488			501			504
Net gain on sale of residential mortgage loans		2,398			1,189			606			525			859
Net gain on sale of available for sale investments		398			259			—			1,544			603
Net gain on trading investment		—			—			—			—			15
Capital gains distributions		271			—			—			—			—
Net gain (loss) on sale of other real estate owned (“OREO”)		—			38			—			(152	)		—
BOLI income		135			131			—			—			—
Other operating income		902			653			519			529			577
Non-interest income		9,273			7,053			5,890			7,159			6,541
Salaries and wages		7,150			7,047			5,345			5,287			5,848
Employee benefits		1,416			1,646			1,364			1,558			1,253
Occupancy and bank premises		1,177			1,195			901			984			911
Furniture fixtures and equipment		931			695			557			595			575
Advertising		321			303			256			262			310
Net (recovery) impairment of mortgage servicing rights		(356	)		168			177			41			(175	)
Amortization of mortgage servicing rights		301			213			210			199			216
Intangible asset amortization		77			77			77			77			77
Core deposit intangible amortization		87			89			—			—			—
FDIC insurance		522			416			299			314			290
Merger related / due diligence expense		437			4,292			637			347			531
OREO expense		6			54			41			15			43
Impairment of OREO		—			381			—			—			—
Professional fees		603			459			459			619			702
Other operating expenses		2,092			2,337			1,780			1,455			1,517
Non-interest expense		14,764			19,372			12,103			11,753			12,098
Income (loss) before income taxes		8,198			(1,766	)		3,844			3,410			4,066
Income tax expense (benefit)		2,633			(746	)		1,438			1,187			1,429
Net income (loss)	$	5,565		$	(1,020	)	$	2,406		$	2,223		$	2,637
Per share data:
Weighted average shares outstanding		12,192,260			12,184,447			9,740,089			8,893,997			8,794,602
Dilutive potential common shares		10,742			—			12,476			11,017			9,112
Adjusted weighted average dilutive shares		12,203,002			12,184,447			9,752,565			8,905,014			8,803,714
Basic earnings per common share	$	0.46		$	(0.08	)	$	0.25		$	0.25		$	0.30
Diluted earnings per common share	$	0.46		$	(0.08	)	$	0.25		$	0.25		$	0.30
Dividend declared per share	$	0.14		$	0.14		$	0.14		$	0.14		$	0.14
Effective tax rate		32.1	%		(42.2	)%		37.4	%		34.8	%		35.1	%
Net interest margin		3.73	%		3.66	%		3.80	%		4.06	%		3.85	%

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Bryn Mawr Bank Corporation

Consolidated Statements of Income - (unaudited)

(Dollars in thousands, except per share data)

	For The Twelve Months Ended
	December 31, 2010			December 31, 2009
Interest income	$	64,796		$	56,892
Interest expense		12,646			16,099
Net interest income		52,150			40,793
Provision for loan and lease losses		9,854			6,884
Net interest income after provision for loan and lease losses		42,296			33,909
Fees for wealth management services		15,499			14,178
Loan servicing and other fees		1,626			1,387
Service charges on deposits		2,307			1,951
Net gain on sale of residential mortgage loans		4,718			6,012
Net gain on sale of available for sale investments		2,201			1,923
Net gain on trading investment		—			255
Capital gains distributions		271			—
BOLI income		266			—
Net (loss) gain on sale of other real estate owned (“OREO”)		(114	)		6
Other operating income		2,601			2,758
Non-interest income		29,375			28,470
Salaries and wages		24,829			22,274
Employee benefits		5,984			5,578
Occupancy and bank premises		4,257			3,637
Furniture fixtures and equipment		2,778			2,407
Advertising		1,142			1,084
Net impairment (recovery) of mortgage servicing rights		30			(137	)
Amortization of mortgage servicing rights		923			853
Intangible asset amortization		308			308
Core deposit intangible amortization		176			—
FDIC insurance		1,551			1,234
FDIC insurance - special assessment		—			540
Merger related / due diligence expense		5,714			616
OREO expense		116			43
Impairment of OREO		381			—
Professional fees		2,140			2,008
Other operating expenses		7,656			6,097
Non-interest expense		57,985			46,542
Income before income taxes		13,686			15,837
Income tax expense		4,512			5,500
Net income	$	9,174		$	10,337
Per share data:
Weighted average shares outstanding		10,765,657			8,732,004
Dilutive potential common shares		12,312			16,719
Adjusted weighted average shares		10,777,969			8,748,723
Basic earnings per common share	$	0.85		$	1.18
Diluted earnings per common share	$	0.85		$	1.18
Dividend declared per share	$	0.56		$	0.56
Effective tax rate		33.0	%		34.7	%

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Bryn Mawr Bank Corporation

Consolidated Selected Financial Data - (unaudited)

(Dollars in thousands, except per share data)

December 31, 2010

For the period end:	2010 4Q			2010 3Q			2010 2Q			2010 1Q			2009 4Q
Asset Quality Data
Nonaccrual loans and leases	$	9,781		$	8,709		$	9,072		$	5,880		$	6,246
90 + days past due loans - still accruing		10			902			892			1,015			668
Nonperforming loans and leases		9,791			9,611			9,964			6,895			6,914
Other non-performing assets		2,527			1,170			1,970			—			1,025
Total nonperforming assets	$	12,318		$	10,781		$	11,934		$	6,895		$	7,939
Troubled debt restructurings in compliance with modified terms	$	5,192		$	2,417		$	2,000		$	3,894		$	1,622
Nonperforming loans and leases / portfolio loans		0.82	%		0.82	%		1.11	%		0.77	%		0.78	%
Nonperforming assets / assets		0.71	%		0.63	%		0.93	%		0.56	%		0.64	%
Net loan and lease charge-offs (annualized)/ average loans		0.59	%		1.53	%		0.40	%		1.70	%		0.53	%
Delinquency rate - loans and leases >30 days		1.28	%		1.62	%		1.37	%		1.10	%		1.10	%
Delinquent loans and leases - 30-89 days	$	5,570		$	8,283		$	2,481		$	2,917		$	2,678
Delinquency rate - loans and leases 30-89 days		0.48	%		0.71	%		0.28	%		0.33	%		0.30	%
Changes in the Allowance for loan and lease losses
Balance, beginning of period	$	10,297		$	9,841		$	9,740		$	10,424		$	10,299
Charge-offs		(1,743	)		(3,934	)		(1,071	)		(3,946	)		(1,385	)
Recoveries		210			154			178			149			208
Net (charge-offs) / recoveries		(1,533	)		(3,780	)		(893	)		(3,797	)		(1,177	)
Provision for loan and lease losses		1,511			4,236			994			3,113			1,302
Balance, end of period	$	10,275		$	10,297		$	9,841		$	9,740		$	10,424
Allowance for loan and lease losses / loans and leases		0.86	%		0.88	%		1.09	%		1.09	%		1.18	%
Allowance for loan and lease losses / nonperforming loans and leases		104.9	%		107.1	%		98.8	%		141.3	%		150.8	%

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Bryn Mawr Bank Corporation

Consolidated Selected Financial Data - (unaudited)

(Dollars in thousands, except per share data)

December 31, 2010

For the period and period end:	2010 4Q			2010 3Q			2010 2Q			2010 1Q			2009 4Q
Selected ratios (annualized):
Return on average assets		1.25	%		-0.29	%		0.77	%		0.76	%		0.87	%
Return on average shareholders’ equity		13.87	%		-3.16	%		8.10	%		8.59	%		10.22	%
Yield on loans and leases*		5.70	%		5.72	%		5.72	%		5.76	%		5.75	%
Yield on interest earning assets*		4.56	%		4.57	%		4.74	%		5.06	%		4.99	%
Cost of interest bearing funds		1.04	%		1.09	%		1.22	%		1.28	%		1.45	%
Net interest margin*		3.73	%		3.66	%		3.80	%		4.06	%		3.85	%
Book value per share	$	13.24		$	12.99		$	12.72		$	11.86		$	11.72
Tangible book value per share	$	11.21		$	11.03		$	11.62		$	10.56		$	10.40
Period end shares outstanding		12,195,240			12,190,991			10,550,619			8,958,970			8,866,420
Selected data:
Mortgage loans originated	$	107,905		$	67,304		$	28,349		$	24,346		$	34,975
Mortgage loans sold - servicing retained	$	77,448		$	34,874		$	17,358		$	18,737		$	31,503
Mortgage loans sold - servicing released		677			2,234			3,370			1,747			1,335
Total mortgage loans sold	$	78,125		$	37,108		$	20,728		$	20,484		$	32,838
Mortgage loans serviced for others	$	605,485		$	578,293		$	519,153		$	520,023		$	514,875
Total Wealth assets under management / administration / supervision / brokerage (1)	$	3,412,890		$	3,291,293		$	3,100,162		$	3,109,563		$	2,871,143

* Yield on loans and leases, interest earning assets and net interest margin are calculated on a tax equivalent basis.

(1) Brokerage Assets represent assets held at a registered broker dealer under a networking agreement.

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Bryn Mawr Bank Corporation

Consolidated Selected Financial Data - (unaudited)

(Dollars in thousands, except per share data)

December 31, 2010

	2010			2009
	Year-to-date			Year-to-date
Selected ratios (annualized):
Return on average assets		0.61	%		0.88	%
Return on average shareholders’ equity		6.76	%		10.55	%
Yield on loans and leases*		5.72	%		5.81	%
Yield on interest earning assets*		4.70	%		5.14	%
Cost of interest bearing funds		1.14	%		1.81	%
Net interest margin*		3.79	%		3.70	%
Selected data:
Mortgage loans originated	$	227,904		$	291,613
Mortgage loans sold - servicing retained	$	148,417		$	266,759
Mortgage loans sold - servicing released		8,028			6,222
Total mortgage loans sold	$	156,445		$	272,981

* Yield on loans and leases, interest earning assets and net interest margin are calculated on a tax equivalent basis.

Investment Portfolio ($’s in thousands)	As of December 31, 2010							As of December 31, 2009							As of September 30, 2010
SECURITY DESCRIPTION	Amortized Cost		Fair Value		Net Unrealized Gain / (Loss)			Amortized Cost		Fair Value		Net Unrealized Gain / (Loss)			Amortized Cost		Fair Value		Net Unrealized Gain / (Loss)
U. S. treasury obligations	$	5,011	$	5,145	$	134		$	—	$	—	$	—		$	5,012	$	5,227	$	215
U. S. government agency securities		156,301		156,638		337			85,462		85,061		(401	)		186,430		187,609		1,179
State & political subdivisions		28,273		28,430		157			24,859		25,024		165			29,959		30,614		655
State & political subdivisions - taxable		3,740		3,842		102			—		—		—			3,750		3,980		230
FNMA/FHLMC mortgage backed securities		48,554		49,213		659			49,318		50,952		1,634			41,632		42,431		799
GNMA mortgage backed securities		24,353		24,314		(39	)		8,607		8,718		111			19,392		19,402		10
CMO mortgage backed securities		2,068		2,098		30			—		—		—			2,461		2,490		29
Equity stocks		243		256		13			—		—		—			243		294		51
Foreign debt securities		1,750		1,750		—			1,500		1,499		(1	)		1,250		1,250		—
Bond - mutual funds		34,491		34,722		231			36,943		36,970		27			62,354		63,541		1,187
Corporate bonds		10,803		10,644		(159	)		—		—		—			—		—		—
Total Investment Portfolio	$	315,587	$	317,052	$	1,465		$	206,689	$	208,224	$	1,535		$	352,483	$	356,838	$	4,355

Capital Ratios
Bryn Mawr Trust Company Consolidated	Regulatory Minimum To Be Well Capitalized			12/31/2010			9/30/2010			6/30/2010			3/31/2010			12/31/2009
Tier I Capital to Risk Weighted Assets (RWA)		6.00	%		11.05	%		10.37	%		10.72	%		9.32	%		9.06	%
Total (Tier II) Capital to RWA		10.00	%		13.47	%		12.77	%		13.73	%		12.41	%		12.20	%
Tier I Leverage Ratio		5.00	%		8.62	%		8.27	%		9.29	%		8.28	%		8.03	%
Tangible Common Equity Ratio					8.42	%		8.20	%		8.65	%		7.50	%		7.22	%
Bryn Mawr Bank Corporation
Tier I Capital to Risk Weighted Assets (RWA)		6.00	%		11.30	%		10.82	%		11.95	%		9.70	%		9.41	%
Total (Tier II) Capital to RWA		10.00	%		13.71	%		13.21	%		14.95	%		12.78	%		12.53	%
Tier I Leverage Ratio		5.00	%		8.85	%		8.65	%		10.38	%		8.63	%		8.35	%
Tangible Common Equity Ratio					8.01	%		7.95	%		9.66	%		7.82	%		7.51	%

11

Bryn Mawr Bank Corporation

Consolidated Balance Sheets - (unaudited)

(Dollars in thousands)

For the period ended:	Dec 31, 2010			Sept 30, 2010			June 30, 2010			Mar 31, 2010			Dec 31, 2009
Assets
Interest bearing deposits with banks	$	78,410		$	42,089		$	43,943		$	71,680		$	58,472
Money market funds		113			223			86			402			9,175
Investment securities - AFS		317,052			356,838			254,888			173,816			208,224
Loans held for sale		4,838			4,686			4,254			2,214			3,007
Portfolio loans:
Consumer		12,200			13,255			12,272			12,059			12,717
Commercial & industrial		239,366			239,823			235,080			234,300			233,288
Commercial mortgages		385,615			358,486			278,614			275,068			265,023
Construction		45,303			48,674			43,787			41,506			38,444
Residential mortgages		261,983			251,836			108,009			110,412			110,653
Home equity lines & loans		216,853			226,765			180,826			175,748			177,863
Leases		35,397			37,599			40,702			44,007			47,751
Total portfolio loans and leases		1,196,717			1,176,438			899,290			893,100			885,739
Earning assets		1,597,130			1,580,274			1,202,461			1,141,212			1,164,617
Cash and due from banks		10,961			11,090			14,593			17,995			11,670
Allowance for loan and lease losses		(10,275	)		(10,297	)		(9,841	)		(9,740	)		(10,424	)
Premises and equipment		29,158			29,340			21,779			21,724			21,438
Goodwill		17,660			16,671			6,301			6,301			6,301
Intangible assets		5,113			5,190			5,267			5,344			5,421
Core deposit intangible		1,951			2,038			—			—			—
Bank owned life insurance (“BOLI”)		18,972			18,838			—			—			—
FHLB stock		14,227			14,976			7,916			7,916			7,916
Deferred income taxes		14,551			15,071			4,596			4,960			4,991
Other assets		32,320			30,993			27,600			25,499			26,891
Total assets	$	1,731,768		$	1,714,184		$	1,280,672		$	1,221,211		$	1,238,821
Liabilities and shareholders’ equity
Interest-bearing checking	$	234,107		$	206,091		$	149,762		$	143,735		$	151,432
Money market		327,824			324,384			261,578			244,747			229,836
Savings		134,163			140,296			98,760			103,233			101,719
Other wholesale deposits		80,112			63,376			63,260			47,687			52,174
Wholesale deposits		37,201			36,582			33,421			43,352			36,118
Time deposits		245,669			261,839			141,803			136,927			153,705
Interest-bearing deposits		1,059,076			1,032,568			748,584			719,681			724,984
Non-interest bearing deposits		282,356			227,080			204,898			194,697			212,903
Total deposits		1,341,432			1,259,648			953,482			914,378			937,887
Subordinated debentures		22,500			22,500			22,500			22,500			22,500
Junior subordinated debentures		12,029			12,041			—			—			—
Repurchase agreements		10,051			11,883			—			—			—
Borrowed funds		158,144			221,793			139,640			142,244			144,826
Mortgage payable		2,000			2,016			2,031			2,046			2,062
Other liabilities		24,194			25,976			28,838			33,772			27,610
Shareholders’ equity		161,418			158,327			134,181			106,271			103,936
Total liabilities and shareholders’ equity	$	1,731,768		$	1,714,184		$	1,280,672		$	1,221,211		$	1,238,821
Consolidated Quarterly Average Balance Sheets - (unaudited)
	2010 4Q			2010 3Q			2010 2Q			2010 1Q			2009 4Q
Assets
Interest bearing deposits with banks	$	108,278		$	95,226		$	60,317		$	27,300		$	52,958
Money market funds		138			106			248			1,426			14,334
Trading securities		—			—			—			—			1,502
Investment securities		334,252			346,275			223,901			200,482			182,925
Loans held for sale		5,981			3,741			3,107			2,975			4,441
Portfolio loans and leases		1,185,456			1,171,605			894,657			892,184			882,956
Earning assets		1,634,105			1,616,953			1,182,230			1,124,367			1,139,116
Cash and due from banks		13,583			12,668			10,079			10,627			11,713
Allowance for loan and lease losses		(10,403	)		(10,068	)		(9,904	)		(10,620	)		(10,557	)
Premises and equipment		29,159			29,685			21,860			21,578			21,358
Goodwill		16,682			16,671			6,302			6,302			4,840
Intangible assets		5,157			5,234			5,311			5,388			5,465
Core deposit intangible		2,007			2,097			—			—			—
Bank owned life insurance		18,885			18,750			—			—			—
Deferred tax asset		15,143			13,310			4,800			4,734			5,173
Other assets		43,817			44,748			31,924			31,183			27,294
Total assets	$	1,768,135		$	1,750,048		$	1,252,602		$	1,167,247		$	1,177,871
Liabilities and shareholders’ equity
Interest-bearing checking	$	237,776		$	215,846		$	150,604		$	143,935		$	139,494
Money market		329,601			318,943			253,425			240,542			218,691
Savings		142,434			141,180			101,444			99,925			93,687
Other wholesale deposits		74,330			67,596			65,576			42,030			53,617
Wholesale deposits		38,863			36,864			36,387			43,026			56,447
Time deposits		253,631			269,653			142,552			139,959			162,300
Interest-bearing deposits		1,076,635			1,050,082			749,988			709,417			724,236
Non-interest bearing deposits		280,944			226,439			193,118			189,314			185,133
Total deposits		1,357,579			1,276,521			943,106			898,731			909,369
Subordinated debentures		22,500			22,500			22,500			22,500			22,500
Junior subordinated debentures		12,037			12,066			—			—			—
Repurchase agreements		11,827			10,848			—			—			—
Borrowed funds		176,362			241,672			140,836			143,939			145,994
Mortgage payable		2,010			2,026			2,040			2,056			2,070
Other liabilities		26,601			25,434			24,982			21,315			22,150
Shareholders’ equity		159,219			158,981			119,138			105,018			102,319
Total liabilities and shareholders’ equity	$	1,768,135		$	1,750,048		$	1,252,602		$	1,193,559		$	1,204,402

12

Bryn Mawr Bank Corporation

Consolidated Average Balance Sheets - (unaudited)

(Dollars in thousands)

	2010 Year-to-date			2009 Year-to-date
Assets
Interest bearing deposits with banks	$	73,046		$	34,946
Fed funds sold		—			548
Money market funds		475			38,662
Trading securities		—			2,294
Investment securities		276,887			145,304
Loans held for sale		3,951			5,611
Portfolio loans and leases		1,037,158			886,907
Earning assets		1,391,517			1,114,272
Cash and due from banks		11,750			11,248
Allowance for loan and lease losses		(10,248	)		(10,421	)
Premises and equipment		25,603			21,392
Goodwill		11,531			4,798
Intangible assets		5,273			5,580
Core deposit intangible		1,034			—
Bank owned life insurance		9,486			1,665
FHLB stock		10,838			7,916
Deferred tax asset		9,535			5,364
Other assets		27,051			18,681
Total assets	$	1,493,370		$	1,180,495
Liabilities and shareholders’ equity
Interest-bearing checking	$	187,376		$	136,202
Money market		285,963			185,225
Savings		121,417			87,096
Other wholesale deposits		62,875			33,988
Wholesale deposits		38,379			83,277
Time deposits		201,947			190,071
Interest-bearing deposits		897,957			715,859
Non-interest bearing deposits		222,715			172,469
Total deposits		1,120,672			888,328
Subordinated debentures		22,500			20,260
Borrowed funds		175,972			149,936
Junior subordinated debentures		6,075			—
Repurchase agreements		5,715			—
Mortgage payable		2,033			1,450
Other liabilities		24,602			22,502
Shareholders’ equity		135,801			98,019
Total liabilities and shareholders’ equity	$	1,493,370		$	1,180,495

13

Quarterly Average Balances and Tax Equivalent Income and Expense and Tax Equivalent Yields - - (unaudited)

	4th Quarter 2010								3rd Quarter 2010								2nd Quarter 2010								1st Quarter 2010								4th Quarter 2009
(dollars in thousands)	Average Balance			Interest Income/ Expense		Average Rates Earned/ Paid			Average Balance			Interest Income/ Expense		Average Rates Earned/ Paid			Average Balance			Interest Income/ Expense		Average Rates Earned/ Paid			Average Balance			Interest Income/ Expense		Average Rates Earned/ Paid			Average Balance			Interest Income/ Expense		Average Rates Earned/ Paid
Assets:
Interest-bearing deposits with other banks	$	108,208		$	66		0.24	%	$	95,226		$	61		0.25	%	$	60,317		$	37		0.25	%	$	27,300		$	14		0.21	%	$	52,958		$	30		0.22	%
Money market funds		138			—		—			106			—		—			248			—		—			1,426			1		0.28	%		14,334			9		0.25	%
Investment securities available for sale:
Taxable		305,281			1,315		1.71	%		316,276			1,351		1.69	%		199,106			867		1.75	%		175,632			1,021		2.36	%		159,015			1,144		2.85	%
Tax-exempt		28,971			273		3.74	%		29,999			272		3.60	%		24,796			271		4.38	%		24,850			278		4.54	%		25,412			278		4.34	%
Investment securities available for sale		334,252			1,588		1.88	%		346,275			1,623		1.86	%		223,902			1,138		2.04	%		200,482			1,299		2.63	%		184,427			1,422		3.06	%
Loans and leases *		1,191,437			17,110		5.70	%		1,175,346			16,944		5.72	%		897,764			12,801		5.72	%		895,159			12,724		5.76	%		887,397			12,860		5.75	%
Total interest earning assets		1,634,035			18,764		4.56	%		1,616,953			18,628		4.57	%		1,182,231			13,976		4.74	%		1,124,367			14,038		5.06	%		1,139,116			14,321		4.99	%
Cash and due from banks		13,583								12,668								10,079								10,627								11,713
Less allowance for loan and lease losses		(10,403	)							(10,068	)							(9,904	)							(10,620	)							(10,557	)
Other assets		130,920								130,495								70,196								69,185								64,130
Total assets	$	1,768,135							$	1,750,048							$	1,252,602							$	1,193,559							$	1,204,402
Liabilities:
Savings, NOW and market rate deposits	$	709,811		$	793		0.44	%	$	675,969		$	841		0.49	%	$	505,473		$	666		0.53	%	$	484,402		$	656		0.55	%	$	451,873		$	752		0.66	%
Other wholesale deposits		74,331			88		0.47	%		67,596			81		0.48	%		65,576			79		0.48	%		42,030			51		0.49	%		53,617			60		0.44	%
Wholesale deposits		38,862			145		1.48	%		36,864			161		1.73	%		36,387			162		1.79	%		43,026			185		1.74	%		56,446			278		1.95	%
Time deposits		253,631			626		0.98	%		269,653			654		0.96	%		142,552			458		1.29	%		139,959			454		1.32	%		162,300			681		1.66	%
Total interest-bearing deposits		1,076,635			1,652		0.61	%		1,050,082			1,737		0.66	%		749,988			1,365		0.73	%		709,417			1,346		0.77	%		724,236			1,771		0.97	%
Subordinated debt		22,500			282		4.97	%		22,500			293		5.17	%		22,500			280		4.99	%		22,500			273		4.92	%		22,500			282		4.97	%
Junior subordinated debentures		12,037			272		8.97	%		12,066			223		7.33	%		—			—		—			—			—		—			—			—		—
Repurchase agreements		11,827			7		0.23	%		10,848			8		0.29	%		—			—		—			—			—		—			—			—		—
Mortgage payable		2,010			28		5.53	%		2,026			29		5.68	%		2,040			29		5.70	%		2,056			28		5.52	%		2,070			29		5.56	%
Borrowed funds		176,362			1,164		2.62	%		241,672			1,401		2.30	%		140,836			1,099		3.13	%		143,939			1,130		3.18	%		145,995			1,184		3.22	%
Total interest-bearing liabilities		1,301,371			3,405		1.04	%		1,339,194			3,691		1.09	%		915,364			2,773		1.22	%		877,912			2,777		1.28	%		894,801			3,266		1.45	%
Noninterest-bearing deposits		280,944								226,439								193,118								189,314								185,133
Other liabilities		26,601								25,434								24,982								21,315								22,149
Total noninterest-bearing liabilities		307,545								251,873								218,100								210,629								207,282
Total liabilities		1,608,916								1,591,067								1,133,464								1,088,541								1,102,083
Shareholders’ equity		159,219								158,981								119,138								105,018								102,319
Total liabilities and shareholders’ equity	$	1,768,135							$	1,750,048							$	1,252,602							$	1,193,559							$	1,204,402
Interest income to earning assets							4.56	%							4.57	%							4.74	%							5.06	%							4.99	%
Net interest spread							3.52	%							3.48	%							3.52	%							3.78	%							3.54	%
Effect of noninterest-bearing sources							0.21	%							0.18	%							0.32	%							0.28	%							0.31	%
Net interest income/ margin on earning assets				$	15,359		3.73	%				$	14,937		3.66	%				$	11,203		3.84	%				$	11,261		4.06	%				$	11,055		3.85	%
Tax equivalent adjustment				$	159		0.04	%				$	155		0.04	%				$	144		0.05	%				$	144		0.05	%				$	130		0.04	%

* Average loans and leases include portfolio loans and leases, and loans held for sale. Non-accrual loans are also included in the average loan and leases balances.

14

Average Balances and Tax Equivalent Income and Expense and Tax Equivalent Yields

For the Twelve months ended December 31,

	2010								2009
(dollars in thousands)	Average Balance			Interest Income/ Expense		Average Rates Earned/ Paid			Average Balance			Interest Income/ Expense		Average Rates Earned/ Paid
Assets:
Interest-bearing deposits with other banks	$	73,046			178		0.24	%	$	34,946		$	74		0.21	%
Federal funds sold		—			—		—			548			1		0.18	%
Money market funds		475			1		0.21	%		38,662			197		0.51	%
Investment securities available for sale:
Taxable		249,714			4,555		1.82	%		129,780			4,398		3.39	%
Tax-exempt		27,173			1,094		4.03	%		17,818			776		4.36	%
Investment securities available for sale		276,887			5,649		2.04	%		147,598			5,174		3.51	%
Loans and leases *		1,041,109			59,579		5.72	%		892,518			51,835		5.81	%
Total interest earning assets		1,391,517			65,407		4.70	%		1,114,272			57,281		5.14	%
Cash and due from banks		11,750								11,249
Less allowance for loan and lease losses		(10,248	)							(10,421	)
Other assets		100,351								65,395
Total assets	$	1,493,370							$	1,180,495
Liabilities:
Savings,NOW and market rate deposits	$	594,756		$	2,957		0.50	%	$	408,523		$	3,094		0.76	%
IND / IDC deposits		62,875			301		0.48	%		33,988			148		0.44	%
Wholesale deposits		38,379			651		1.70	%		83,277			2,084		2.50	%
Time deposits		201,947			2,192		1.09	%		190,071			4,644		2.44	%
Total interest-bearing deposits		897,957			6,101		0.68	%		715,859			9,970		1.39	%
Subordinated debt		22,500			1,129		5.02	%		20,260			1,108		5.47	%
Junior subordinated debentures		6,076			494		8.13	%		—			—		—
Repurchase agreements		5,715			16		0.28	%		—			—		—
Mortgage payable		2,033			114		5.61	%		1,450			82		5.66	%
Borrowed funds		175,972			4,792		2.72	%		149,937			4,939		3.29	%
Total interest-bearing liabilities		1,110,253			12,646		1.14	%		887,506			16,099		1.81	%
Noninterest-bearing deposits		222,715								172,468
Other liabilities		24,601								22,502
Total noninterest-bearing liabilities		247,316								194,970
Total liabilities		1,357,569								1,082,476
Shareholders’ equity		135,801								98,019
Total liabilities and shareholders’ equity	$	1,493,370							$	1,180,495
Interest income to earning assets							4.70	%							5.14	%
Net interest spread							3.56	%							3.33	%
Effect of noninterest-bearing sources							0.23	%							0.37	%
Net interest income/ margin on earning assets				$	52,761		3.79	%				$	41,182		3.70	%
Tax equivalent adjustment				$	611		0.04	%				$	389		0.04	%

* Average loans and leases include portfolio loans and leases, and loans held for sale. Non-accrual loans are also included in the average loan and leases balances.

15

EX-99.2

Bryn Mawr

Bank Corporation

NASDAQ: BMTC

Groundhog Day

2010 Year End Review and New Growth Strategies

Exhibit 99.2

1

Safe Harbor

This presentation contains statements which, to the extent that they are not

recitations of historical fact may constitute forward-looking statements for purposes of

the Securities Act of 1933, as amended, and the Securities Exchange Act of 1934, as

amended.

Please see the section titled Safe Harbor at the end of the presentation for more

information regarding these types of statements.

The information contained in this presentation is correct only as of

February

2,

2011.

Our business, financial condition, results of operations and

prospects may have changed since that date, and we do not undertake to update

such information.

2

Bryn Mawr Bank Corporation

Profile

Founded in 1889 –

121 year history

A unique business model with a traditional commercial bank ($1.7

billion)

and a trust company ($3.4 billion) under one roof at December 31, 2010

Wholly owned subsidiary –

The Bryn Mawr Trust Company

Largest community bank in Philadelphia’s affluent western suburbs

Celebrated 25 years on the NASDAQ in August 2010

3

Southeast PA Footprint

•

17 BMTC Full Service Branch Locations

4

Investment Considerations

Quarterly dividend increased 7.1% to $0.15 –

declared January 27, 2011

A great brand & franchise

Solid financial fundamentals and well capitalized

Outstanding target market demographics

New business initiatives driving growth

$3.41 billion wealth management business that provides a significant

source of non-interest income

5

2010 BMTC Performance

Closing price on December 31, 2009:

$15.09

Closing price on December 31, 2010:

$17.45

2010 dividends declared per share:

$0.56

Security or Index

2010 Return

BMTC

19.35%

NASDAQ Community Bank Index*

11.46%

NASDAQ Bank Index*

10.24%

*Source: NASDAQ

Growth Initiatives

7

2011 Strategies

3-5-3 Strategic Plan

$3 billion in banking assets -

$5 billion in wealth assets –

3 years

Organic growth –

opportunistic expansion

Inorganic growth –

additional acquisitions

The Corporation intends to implement or continuing implementing the following

strategic initiatives over the next few years:

8

2011 Strategies -

continued

Focus on the net interest margin

Continued emphasis on strong credit quality

Raise capital as needed

Lower the efficiency ratio

Complete an additional bank and/or wealth acquisition

Financial Review

10

Financial Highlights

4

th

Qtr

2010

3

rd

Qtr

2010

2

nd

Qtr

2010

1

st

Qtr

2010

4

th

Qtr

2009

Portfolio Loans & Leases

($ in millions)

$1,197

$1,176

$899

$893

$886

Total Deposits

($ in millions)

$1,341

$1,260

$953

$914

$938

Total Wealth Assets

($ in billions)

$3.41

$3.29

$3.10

$3.11

$2.87

Tangible Book Value Per

Share

$11.21

$11.03

$11.62

$10.56

$10.40

Tangible Common Equity

Ratio

8.01%

7.95%

9.66%*

7.82%

7.51%

*Tangible common equity ratio at 6/30/2010 includes the net proceeds of the $24.7 million registered direct stock offering

and excludes the effect of the 7/1/2010 FKF merger.

11

Financial Highlights -

continued

4

th

Qtr

2010

3

rd

Qtr

2010

2

nd

Qtr

2010

1

st

Qtr

2010

4

th

Qtr

2009

Net Income (Loss)

($ in millions)

$5.57

$(1.02)*

$2.41

$2.22

$2.64

Dividends Declared

$0.14

$0.14

$0.14

$0.14

$0.14

Diluted Earnings (Loss)

Per Common Share

$0.46

$(0.08)

$0.25

$0.25

$0.30

Non-performing Loans as

a % of Portfolio Loans and

Leases

0.82%

0.82%

1.11%

0.77%

0.78%

Allowance for Loan and

Lease Losses

0.86%**

0.88%**

1.09%

1.09%

1.18%

* Includes approximately $4.3 million of pretax merger and due diligence related expenses.

**Includes the acquired FKF loan portfolio, recorded at fair value, without its previously recorded allowance

for loan and lease loss

12

3.85%

4.06%

3.80%

3.66%

3.73%

3.2%

3.4%

3.6%

3.8%

4.0%

4.2%

Dec-09

Mar-10

Jun-10

Sep-10

Dec-10

Net

Interest

Margin

On a tax-equivalent basis

13

Capital Considerations

Registered Direct Offering closed on May 18, 2010 raising $24.7 million

after deducting fees and expenses

Maintains a “well capitalized”

capital position

Active Dividend Reinvestment and Stock Purchase Plan with Request for

Waiver program

Selectively add capital as needed to maintain capital levels and

fund asset

growth and acquisitions

14

Capital

Position

-

Bryn

Mawr

Bank

Corporation

12/31/2010

12/31/2009

Tier I

11.30%

9.41%

Total (Tier II)

13.71%

12.53%

Tier I Leverage

8.85%

8.35%

Tangible Common Equity

8.01%

7.51%

Wealth Division Review

16

Wealth Division Initiatives

Bryn Mawr Asset Management

“Lift out”

strategy

Four investment advisers hired

Approximately $227 million in assets as of December 31, 2010

Additional opportunities being evaluated

Institutional Trust and Escrow Services

Strong pipeline of new business

17

BMTC of Delaware

The Delaware Advantage

Directed trusts

$486 million in assets at December 31, 2010

New location –

Greenville, DE

Wealth Marketing Campaign

Wealth Division Initiatives -

continued

18

Wealth Assets Under Management, Administration,

Supervision and Brokerage

($ in billions)

Excludes Community Bank’s assets from 2005 -

2007

$2.04

$2.18

$2.28

$2.15

$2.87

$3.41

$1.0

$2.0

$3.0

$4.0

2005

2006

2007

2008

2009

2010

19

Wealth Management Fees

CAGR: 6.2%   (2005 –

2010)

($ in millions)

Excludes Community Bank’s fees from 2005 -

2007

$11.5

$12.4

$13.5

$13.8

$14.2

$15.5

$6.0

$9.0

$12.0

$15.0

$18.0

2005

2006

2007

2008

2009

2010

Credit Review

21

Portfolio Loan & Lease Growth

CAGR : 15.0%    (2005-2010)

($ in millions)

2010 includes the addition of the First Keystone loan portfolio.

$595

$681

$803

$900

$886

$1,197

$300

$500

$700

$900

$1,100

$1,300

2005

2006

2007

2008

2009

2010

22

Loan Composition at December 31, 2010

$387

$239

$229

$262

$45

$35

Commercial Mortgages

Commercial & Industrial

Home Equity Lines & Loans & Consumer Loans

Residential Mortgages

Construction

Leases

($ in millions)

23

Small Ticket National Leasing Business

Leases outstanding: $35 million at December 31, 2010

Planned lease portfolio reduction of $12.4 million since December 31,

2009. New production will take several quarters to match scheduled

payments and charge-offs

Average yield of 10.3% at December 31, 2010

Net lease charge-offs decreased $2.7 million in 2010 compared to 2009

Delinquency rate has fallen 88 basis points over the past 12 months to

1.99% at December 31, 2010

24

Summary

Outstanding franchise in a stable market

Focus on Wealth Services, Business Banking and Private Banking

Investing in growth opportunities today for earnings growth

tomorrow

Sound business strategy, strong asset quality, well capitalized

and solid risk management procedures serve as a foundation for

potential strategic expansion

Thank You

Joseph Keefer, EVP

610-581-4869

jkeefer@bmtc.com

Duncan Smith, CFO

610-526 –2466

jdsmith@bmtc.com

Ted Peters, Chairman

610-581-4800

tpeters@bmtc.com

Frank Leto, EVP

610-581-4730

fleto@bmtc.com

Aaron Strenkoski, VP –

Finance / Investor Relations –

610-581-4822 –

astrenkoski@bmtc.com

26

This presentation contains statements which, to the extent that they are not recitations of

historical fact may constitute forward-looking statements for purposes of the Securities Act of

1933, as amended, and the Securities Exchange Act of 1934, as amended. Such forward-looking

statements may include financial and other projections as well as statements regarding Bryn

Mawr

Bank Corporation’s (the “Corporation”) that may include future plans, objectives,

performance, revenues, growth, profits, operating expenses or the Corporation’s underlying

assumptions. The words “may”, “would”, “should”, “could”, “will”, “likely”, “possibly”, “expect,”

“anticipate,”

“intend”, “estimate”, “target”, “potentially”, “probably”, “outlook”, “predict”,

“contemplate”,

“continue”,

“plan”,

“forecast”,

“project”

and

“believe”

or

other

similar

words,

phrases

or concepts may identify forward-looking statements. Persons reading or present at this

presentation are cautioned that such statements are only predictions, and that the Corporation’s

actual future results or performance may be materially different.

Such forward-looking statements involve known and unknown risks and uncertainties. A number

of factors, many of which are beyond the Corporation’s control, could cause our actual results,

events or developments, or industry results, to be materially different from any future results,

events

or

developments

expressed,

implied

or

anticipated

by

such

forward-looking

statements,

and so our business and financial condition and results of operations could be materially and

adversely affected.

Safe Harbor

27

Safe Harbor (continued)

Such factors include, among others, our need for capital, our ability to control operating costs and

expenses, and to manage loan and lease delinquency rates; the credit risks of lending activities

and overall quality of the composition of our loan, lease and securities portfolio; the impact of

economic conditions, consumer and business spending habits, and real estate market conditions

on

our

business

and

in

our

market

area;

changes

in

the

levels

of

general

interest

rates,

deposit

interest rates, or net interest margin and funding sources; changes in banking regulations and

policies and the possibility that any banking agency approvals we might require for certain

activities will not be obtained in a timely manner or at all or will be conditioned in a manner that

would impair our ability to implement our business plans; changes in accounting policies and

practices; the inability of key third-party providers to perform their obligations to us; our ability to

attract and retain key personnel; competition in our marketplace; war or terrorist activities; material

differences in the actual financial results, cost savings and revenue enhancements associated

with

our

acquisition

via

the

merger

of

First

Keystone

Financial,

Inc.

and

First

Keystone

Bank;

and

other factors as described in our securities filings. All forward-looking statements and information

made herein are based on Management’s current beliefs and assumptions as of

February

2, 2011

and speak only as of that date. The Corporation does not undertake to update

forward-looking statements.

28

Safe Harbor (continued)

For a complete discussion of the assumptions, risks and uncertainties related to our business, you

are encouraged to review our filings with the Securities and Exchange Commission, including our

most recent annual report on Form 10-K, as well as any changes in risk factors that we may

identify in our quarterly or other reports filed with the SEC.

This

presentation

is

for

discussion

purposes

only,

and

shall

not

constitute

any

offer

to

sell

or

the

solicitation

of

an

offer

to

buy

any

security,

nor

is

it

intended

to

give

rise

to

any

legal

relationship

between

the

Corporation

and

you

or

any

other

person,

nor

is

it

a

recommendation

to

buy

any

securities or enter into any transaction with the Corporation.

The information contained herein is preliminary and material changes to such information may be

made at any time. If any offer of securities is made, it shall be made pursuant to a definitive

offering memorandum or prospectus (“Offering Memorandum”) prepared by or on behalf of the

Corporation, which would contain material information not contained herein and which shall

supersede, amend and supplement this information in its entirety.  Any decision to invest in the

Corporation’s securities should be made after reviewing an Offering Memorandum, conducting

such investigations as the investor deems necessary or appropriate, and consulting the investor’s

own legal, accounting, tax, and other advisors in order to make an independent determination of

the suitability and consequences of an investment in such securities.

29

Safe Harbor (continued)

No offer to purchase securities of the Corporation will be made or accepted prior to receipt by an

investor of an Offering Memorandum and relevant subscription documentation, all of which must

be reviewed together with the Corporation’s then-current financial statements and, with respect to

the subscription documentation, completed and returned to the Corporation in its entirety.  Unless

purchasing in an offering of securities registered pursuant to the Securities Act of 1933, as

amended,

all

investors

must

be

“accredited

investors”

as

defined

in

the

securities

laws

of

the

United States before they can invest in the Corporation.

EX-99.3

Exhibit 99.3

Bryn Mawr Bank Corporation

NASDAQ: BMTC

Fourth Quarter 2010 Conference Call

Prepared Remarks

February 2, 2011

8:30 A.M. (Eastern Time)

Operator:

Good morning ladies and gentlemen. My name is (                    ); I will be your conference call operator today. At this time I would like to welcome everyone to the Bryn Mawr Bank Corporation’s Quarterly conference call.

All lines have been placed on mute to prevent any background noise. After the speaker remarks, there will be a question and answer period. If you would like to pose a question during this time, please press the star then the number 1 on your telephone keypad. If you would like to withdraw your question, press the star key and then the number 2. Thank you.

It is now my pleasure to turn the floor over to your host, Duncan Smith, Chief Financial Officer. Sir, you may begin your conference.

1

Duncan Smith:

Thank you, (                    ), and thanks everyone for joining us today. I hope you had a chance to review last night’s press release. If you have not received our press release it is available on our Website at bmtc.com or by calling 610-581-4925.

Ted Peters, Chairman and CEO, of Bryn Mawr Bank Corporation, has some comments on the quarter and our strategic initiatives. After that, we will take your questions.

The archives of this conference call will be available at the Bryn Mawr Bank Corporation Web site or by calling 877-344-7529, and the Replay Passcode is 447208. A replay will be available approximately two hours after this call concludes.

Before we begin, please be advised that during the course of this conference call, management may make forward-looking statements, which are not historical facts.

Forward-looking statements can be identified by the fact that they do not relate strictly to historical or current facts. They often include the words may, will, would, could, should, likely, possibly, probably, potentially, predict, contemplate, continue, believe, expect, anticipate, intend, plan, target, estimate, or words or phrases of similar meaning.

Forward looking statements by their nature are subject to risks and uncertainties. A number of factors, many of which are beyond the corporation’s control, could cause actual conditions, events, or results to differ significantly from those described in the forward-looking statements.

All forward-looking statements discussed during this call are based on Management’s current beliefs and assumptions, and speak only as of the date and time they are made. The corporation does not undertake to update forward-looking statements. Thanks, now I would like to turn the call over to Ted.

2

Ted Peters:

Thanks, Duncan, and thank you everyone for joining us today.

Yesterday afternoon we released our fourth quarter 2010 operating results, along with the results for the full-year of 2010. I hope you have all had a chance to review our release. We reported record earnings for the fourth quarter marking the end to a very active and successful year. The diluted earnings per share of $0.46 for the fourth quarter increased 53.3% over the fourth quarter of 2009 diluted earnings per share of $0.30. Net Income of $5.57 million, was more than double the net income of $2.64 million for the fourth quarter of 2009, or an increase of 111.0%.

Diluted earnings per share for the full-year 2010 of $0.85, decreased $0.33 as compared to $1.18 for the same period in 2009. Net income for 2010 of $9.17 million, is $1.16 million or 11.3% lower than the $10.34 million reported for the full-year 2009. Our 2010 net income was impacted by pre-tax merger-related and due diligence expenses of $5.7 million related to the July 1, 2010 First Keystone Financial acquisition.

The First Keystone Financial merger accounts for a significant portion of the increase in assets and liabilities at December 31, 2010, as compared to December 31, 2009. As you are undoubtedly aware, that transaction also impacts the comparability of certain income statement line items for the quarter and year ended December 31, 2010, as compared to the same periods last year.

We are very proud of what we accomplished in 2010. I would like to briefly comment on some of the more significant accomplishments for the fourth quarter and the year.

Wealth Management Division revenue for the fourth quarter 2010 was $4.1 million, an increase of 13.5%, compared to the fourth quarter 2009 revenue of $3.6 million. Revenue for the twelve

3

months ended December 31, 2010 was $15.5 million, an increase of $1.3 million, or 9.3%, compared to the same period last year.

Success of new Wealth Management Division initiatives and improving market conditions were largely responsible for the significant growth in wealth management assets along with asset appreciation resulting from improvements in the financial markets. Wealth Management Division assets under management, administration, supervision and brokerage increased $122 million or 3.7%, from September 30, 2010, and up approximately $541 million, or 18.9% from December 31, 2009.

We are actively pursuing many new leads and opportunities, and expect 2011 will be an active year for the Wealth Division.

We reported a substantial increase in net income for the fourth quarter, up $6.6 million from the third quarter of 2010. The significant jump in net income was partly the result of a decrease in merger-related and due diligence expenses, compared to the third quarter of 2010. Improved revenue generation from some of our other business units including Wealth Management and Mortgage Banking, a recovery in mortgage servicing rights compared to an impairment in the prior quarter and a lower provision for loan and lease losses, also contributed to the record results for net income.

The low interest rate environment helped us to benefit with a strong flow of residential mortgage refinancing activity during the fourth quarter and resulted in a net gain of $2.4 million on the sale of residential mortgages.

Asset quality remains strong at December 31, 2010. In fact, the allowance for loan and lease losses of $10.3 million or 0.86% of portfolio loans and leases remained relatively unchanged from the 0.88% level for the quarter ended September 30, 2010. Asset quality and the level of non-performing loans remain stable.

4

Total portfolio loans and leases increased $21 million to $1.2 billion as of December 31, 2010. This compares to $1.18 billion at the end of the third quarter 2010. Growth during the quarter was largely attributable to new business development efforts.

Deposits during the fourth quarter increased $81 million to $1.34 billion as of December 31, 2010. This compares to $1.26 billion at the end of the third quarter 2010. Strong branch selling activities, along with seasonal deposit increases, were largely responsible for this growth.

As usual, we carefully monitor our deposit pricing, and those efforts helped us to see a decline in our cost of interest bearing liabilities and an increase of 7 basis points in our tax-equivalent net interest margin. The tax-equivalent net interest margin was 3.73% for the fourth quarter of 2010 as compared to 3.66% for the third quarter of 2010. The reduction in our cost of interest bearing deposits also contributed to our record fourth quarter earnings.

Lastly, we continue to remain well-capitalized at both the bank and corporate level.

Before closing, I am pleased to announce that the corporation’s board of directors declared a quarterly dividend of $0.15 per share, an increase of $0.01, or 7.1%, from the prior quarter. The dividend is payable on March 1, 2011 to shareholders of record as of February 14, 2011. We love our shareholders, but it’s purely a coincidence that the dividend record date happens to be Valentines Day. This is our 72nd consecutive quarterly dividend.

We are looking forward to a strong 2011 building on the positive momentum of the fourth quarter 2010. In summary, Bryn Mawr Trust is fundamentally sound, and has the flexibility and agility to respond to the opportunities afforded by a strong capital base, asset quality, and liquidity.

With that, we will open the lines for any questions.

Operator, would you please compile the Q&A roster?

5