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    <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Registration No. ___-_________</div>
    <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;"> <br>
    </div>
    <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">As filed with the Securities and Exchange
          Commission on June 21, 2019</font></font></div>
    <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"> <br>
      </font></div>
    <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">UNITED STATES</font></div>
    <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</font></div>
    <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Washington, D.C.&#160; 20549</font></div>
    <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">____________________</font></div>
    <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"> <br>
      </font></div>
    <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">FORM S-8</font></div>
    <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"> <br>
      </font></div>
    <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">REGISTRATION STATEMENT</font></div>
    <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">UNDER</font></div>
    <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">THE SECURITIES ACT OF 1933 </font></div>
    <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"> <br>
      </font></div>
    <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Severn Bancorp, Inc.</font></div>
    <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(Exact Name of Registrant as Specified in its Charter)</font></div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="z46439a34c4304b969c73d58065d90b65" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;">

        <tr>
          <td style="width: 47.35%; vertical-align: top;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Maryland</font></div>
          </td>
          <td style="width: 5.34%; vertical-align: top;">&#160;</td>
          <td style="width: 47.32%; vertical-align: top;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">52-1726127</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 47.35%; vertical-align: top;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(State or Other Jurisdiction of</font></div>
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Incorporation or Organization)</font></div>
          </td>
          <td style="width: 5.34%; vertical-align: top;">&#160;</td>
          <td style="width: 47.32%; vertical-align: top;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(I.R.S. Employer Identification No.)</font></div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div><br>
    </div>
    <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">200 Westgate Circle, Suite 200</font></div>
    <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Annapolis, Maryland 21401</font></div>
    <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(Address of Principal Executive Offices)</font><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"> </font></font></div>
    <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"> <br>
        </font></font></div>
    <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Severn Bancorp, Inc. 2019 Equity Incentive
          Plan</font></font></div>
    <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(Full Title of the Plan)</font></div>
    <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Copies to:</font></div>
    <table cellspacing="0" cellpadding="0" id="z2a4e60718f854f908b045cb04dd251d8" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;">

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          <td style="width: 47.35%; vertical-align: top;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Alan J. Hyatt</font></div>
          </td>
          <td style="width: 5.34%; vertical-align: top;">&#160;</td>
          <td style="width: 47.32%; vertical-align: top;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Benjamin M. Azoff, Esq.</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 47.35%; vertical-align: top;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Chairman, President and Chief Executive Officer</font></div>
          </td>
          <td style="width: 5.34%; vertical-align: top;">&#160;</td>
          <td style="width: 47.32%; vertical-align: top;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Jeffrey M. Cardone, Esq.</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 47.35%; vertical-align: top;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Severn Bancorp, Inc.</font></div>
          </td>
          <td style="width: 5.34%; vertical-align: top;">&#160;</td>
          <td style="width: 47.32%; vertical-align: top;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Luse Gorman, PC</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 47.35%; vertical-align: top;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">200 Westgate Circle, Suite 200</font></div>
          </td>
          <td style="width: 5.34%; vertical-align: top;">&#160;</td>
          <td style="width: 47.32%; vertical-align: top;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5335 Wisconsin Ave., N.W., Suite 780</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 47.35%; vertical-align: top;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Annapolis, Maryland 21401</font></div>
          </td>
          <td style="width: 5.34%; vertical-align: top;">&#160;</td>
          <td style="width: 47.32%; vertical-align: top;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Washington, DC 20015-2035</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 47.35%; vertical-align: top;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(410) 260-2000</font></div>
          </td>
          <td style="width: 5.34%; vertical-align: top;">&#160;</td>
          <td style="width: 47.32%; vertical-align: top;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(202) 274-2000</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 47.35%; vertical-align: top;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(Name, Address and Telephone</font></div>
          </td>
          <td style="width: 5.34%; vertical-align: top;">&#160;</td>
          <td style="width: 47.32%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 47.35%; vertical-align: top;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Number of Agent for Service)</font></div>
          </td>
          <td style="width: 5.34%; vertical-align: top;">&#160;</td>
          <td style="width: 47.32%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 47.35%; vertical-align: top;">&#160;</td>
          <td style="width: 5.34%; vertical-align: top;">&#160;</td>
          <td style="width: 47.32%; vertical-align: top;">&#160;</td>
        </tr>

    </table>
    <div style="background-color: #FFFFFF;">
      <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting
          company, or an emerging growth company. See the definitions of &#8220;large accelerated filer,&#8221; &#8220;accelerated filer,&#8221; &#8220;smaller reporting company&#8221; and &#8220;emerging growth company&#8221; in Rule 12b-2 of the Securities Exchange Act of 1934, as amended (the
          &#8220;Exchange Act&#8221;):</font></div>
      <div><br>
      </div>
    </div>
    <table cellspacing="0" cellpadding="0" id="z2fecd1ada4504816a63b0e3424cb92ae" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;">

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          <td style="width: 66.25%; vertical-align: top;">
            <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Large accelerated filer&#160;<font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#9744;</font></font></div>
          </td>
          <td style="width: 33.75%; vertical-align: top;">
            <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Accelerated filer&#160;<font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#9746;</font></font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 66.25%; vertical-align: top;">
            <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Non-accelerated filer&#160;<font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#9744;</font>&#160;&#160;</font></div>
          </td>
          <td style="width: 33.75%; vertical-align: top;">
            <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Smaller reporting company&#160;<font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#9746;</font></font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 66.25%; vertical-align: top;">
            <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Emerging growth company&#160;<font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#9744;</font></font></div>
          </td>
          <td style="width: 33.75%; vertical-align: top;">
            <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;</font></div>
          </td>
        </tr>

    </table>
    <div style="background-color: #FFFFFF;">
      <div><br>
      </div>
      <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">If an emerging growth company, indicate by check mark if the
            registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 7(a)(2)(B) of the Securities Act.&#160;</font><font style="font-size: 10pt;
            font-family: 'Times New Roman', Times, serif;">&#9744;</font></font></div>
      <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;</font></div>
    </div>
    <div><br>
    </div>
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    <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">CALCULATION OF REGISTRATION FEE</font></div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="z566a2a2edfd847b3a6c0ccc96a7e7212" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;">

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            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Title of</font></div>
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Securities</font></div>
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">to be</font></div>
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Registered</font></div>
          </td>
          <td style="width: 18.27%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Amount</font></div>
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">to be</font></div>
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Registered <sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></font></div>
          </td>
          <td style="width: 19.62%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Proposed</font></div>
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Maximum</font></div>
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Offering Price</font></div>
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Per Share</font></div>
          </td>
          <td style="width: 21.43%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Proposed</font></div>
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Maximum</font></div>
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Aggregate</font></div>
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Offering Price</font></div>
          </td>
          <td style="width: 18.56%; vertical-align: bottom; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Amount of</font></div>
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Registration</font></div>
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Fee</font></div>
          </td>
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        <tr>
          <td style="width: 22.12%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Common stock, par value $0.01 per share</font></div>
          </td>
          <td style="width: 18.27%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">500,000</font></div>
          </td>
          <td style="width: 19.62%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$8.66<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;"> (2)</sup></font></div>
          </td>
          <td style="width: 21.43%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$4,330,000</font></div>
          </td>
          <td style="width: 18.56%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$524.80</font></div>
          </td>
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    <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">_________________________</font></div>
    <div style="text-align: justify;">
      <div>
        <table cellspacing="0" cellpadding="0" id="z1d72b3a6082548bbac2179a172e52e71" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;">

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              <td style="width: 18pt; vertical-align: top; align: right;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1)</font></td>
              <td style="width: auto; vertical-align: top; text-align: justify;">
                <div><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Together with an indeterminate number of additional shares that may be necessary to adjust the number of shares reserved for issuance pursuant to the Severn
                    Bancorp, Inc. 2019 Equity Incentive Plan (the &#8220;Equity Plan&#8221;) as a result of a stock split, stock dividend or similar adjustment of the outstanding common stock of Severn Bancorp, Inc. (the &#8220;Company&#8221;) pursuant to 17 C.F.R.
                    Section&#160;230.416(a) under the Securities Act of 1933, as amended (the &#8220;Securities Act&#8221;).</font></div>
              </td>
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      </div>
    </div>
    <div style="text-align: justify;">
      <div>
        <table cellspacing="0" cellpadding="0" id="z4db12d5d90b14d339fe543fd3db98748" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;">

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              <td style="width: 18pt; vertical-align: top; align: right;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(2)</font></td>
              <td style="width: auto; vertical-align: top; text-align: justify;">
                <div><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Determined pursuant to 17 C.F.R. Section 230.457(h)(1) of the Securities Act.</font></div>
              </td>
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    </div>
    <div><br>
    </div>
    <div style="text-align: center; text-indent: -36pt; margin-left: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">________________________</font></div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">This Registration Statement shall become effective upon filing in accordance with Section 8(a) of the Securities Act of
        1933 and 17 C.F.R. &#167; 230.462.</font></div>
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    <div style="text-align: justify; margin-bottom: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">PART I.</font></div>
    <div style="text-align: justify; margin-bottom: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Items 1 and 2.&#160;&#160;Plan Information and Registrant Information and Employee Plan Annual Information</font></div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The documents containing the information specified in Part I of Form S-8 have been or will be sent or
        given to participants in the Plan as specified by Rule 428(b)(1) promulgated by the Securities and Exchange Commission (the &#8220;Commission&#8221;) under the Securities Act.</font></div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Such documents are not being filed with the Commission, but constitute (along with the documents
        incorporated by reference into this Registration Statement pursuant to Item 3 of Part II hereof) a prospectus that meets the requirements of Section 10(a) of the Securities Act.</font></div>
    <div style="text-align: justify; margin-bottom: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">PART II.</font></div>
    <div style="text-align: justify; margin-bottom: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Item 3.&#160;&#160;Incorporation of Documents by Reference</font></div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The following documents previously or concurrently filed with the Commission are hereby incorporated
        by reference in this Registration Statement:</font></div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(a)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px;
        width: 36pt">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The Company&#8217;s Annual Report on Form 10-K for the year ended December 31, 2018 (File No. 000-49731), filed with the Commission on April 18, 2019
        pursuant to Section 13(a) of the Securities Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;);</font></div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(b)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px;
        width: 36pt">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">All other reports filed by the Company pursuant to Section 13(a) or 15(d) of the Exchange Act since the end of the year covered by the Annual Report
        on Form 10-K referred to in (a) above; and</font></div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(c)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px;
        width: 36pt">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The description of the Company&#8217;s common stock contained in the Registration Statement on Form 10 filed with the Commission on June 7, 2002 to register
        the Company's common stock under the Exchange Act (Commission File No. 000-49731).</font></div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">All documents subsequently filed by the Company with the Commission pursuant to Sections 13(a),
        13(c), 14, or 15(d) of the Exchange Act, after the date hereof, and prior to the filing of a post-effective amendment which indicates that all securities offered hereby have been sold or which deregisters all securities then remaining unsold, shall
        be deemed incorporated by reference into this Registration Statement and to be a part thereof from the date of the filing of such documents.&#160; Any statement contained in the documents incorporated, or deemed to be incorporated, by reference herein
        or therein shall be deemed to be modified or superseded for purposes of this Registration Statement and the prospectus to the extent that a statement contained herein or therein or in any other subsequently filed document which also is, or is
        deemed to be, incorporated by reference herein or therein modifies or supersedes such statement.&#160; Any such statement so modified or superseded shall not be deemed, except as so modified or superseded, to constitute a part of this Registration
        Statement and the prospectus.</font></div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">All information appearing in this Registration Statement and the prospectus is qualified in its
        entirety by the detailed information, including financial statements, appearing in the documents incorporated herein or therein by reference.</font></div>
    <div style="text-align: justify; margin-bottom: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Item 4.&#160;&#160;Description of Securities</font></div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Not applicable.</font></div>
    <div style="text-align: justify; margin-bottom: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Item 5.&#160;&#160;Interests of Named Experts and Counsel</font></div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">None.</font></div>
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    <div style="text-align: justify; margin-bottom: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Item 6.&#160;&#160;Indemnification of Directors and Officers</font></div>
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      <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Article XI of the Company&#8217;s Articles of Incorporation provide that Company shall indemnify, to the fullest extent
          permitted under the Maryland General Corporation Law, its directors and officers.&#160;&#160;</font></div>
      <div><br>
      </div>
      <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Section 2-418 of the Maryland Annotated Code, Corporations and Associations Article (&#8220;Maryland Code&#8221;) provides that a
          corporation may indemnify any director made a party to any proceeding by reason of service in that capacity unless it is established that: (a) the director&#8217;s act or omission was material to the matter giving rise to the proceeding, and (i) was
          committed in bad faith or (ii) was the result of active and deliberate dishonesty; or (b) the director actually received an improper personal benefit in money, property, or services; or (c) in the case of any criminal proceeding, the director had
          reasonable cause to believe that the act or omission was unlawful.&#160;&#160;A corporation is required to indemnify directors and officers against expenses they may incur in defending actions against them in such capacities if they are successful on the
          merits or otherwise in the defense of such actions.</font></div>
      <div style="text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;</font></div>
      <div style="text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Indemnification may be against judgments, penalties, fines, settlements and reasonable expenses, including attorney's fees, actually incurred by the director in
          connection&#160;&#160;with the proceeding. However, if the proceeding was a proceeding by or in the right of the Company, indemnification may not be made in respect of any proceeding in which the director shall have been adjudged liable to the Company. In
          addition, no indemnity is permitted to a director with respect to any proceeding charging improper personal benefit, whether or not involving action in the director's official capacity, in which the director was adjudged to be liable on the basis
          that personal benefit was improperly received. Maryland law provides that a director who has been successful in the defense of a proceeding shall be indemnified against reasonable expenses incurred in connection with the proceeding. The provision
          also permits the advancement of reasonable expenses if the director affirms in writing that in the director&#8217;s good faith belief, the director has met the applicable standard of conduct necessary for indemnification and undertakes to repay the
          amount if it is ultimately determined that the director has not met the standard of conduct necessary for indemnification. Officers, employees and agents of the Company may be indemnified by the Company to the same extent as directors.</font></div>
      <div style="text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;</font></div>
      <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The Maryland Code provides that the foregoing provisions shall not be deemed exclusive of any other rights to which a
          director or officer seeking indemnification may be entitled under, among other things, any bylaw or charter provision, or resolution of stockholders or directors, agreement, or otherwise.</font></div>
      <div style="text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;</font></div>
      <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The Company&#8217;s Articles of Incorporation also provide that to the fullest extent permitted by Maryland law, no director
          or officer of the Company shall be personally liable to the Company or its shareholders for money damages.</font></div>
      <div style="text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;</font></div>
    </div>
    <div style="text-align: justify; margin-bottom: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Item 7.&#160;&#160;Exemption From Registration Claimed</font></div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Not applicable.</font></div>
    <div style="text-align: justify; margin-bottom: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Item 8.</font>&#160;&#160; <font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;
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            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Regulation S-K</font></div>
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Exhibit Number</font></font></div>
          </td>
          <td style="width: 2.66%; vertical-align: top;">&#160;</td>
          <td style="width: 52.08%; vertical-align: bottom; border-bottom: 2px solid black;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Document</font></font></div>
          </td>
          <td style="width: 2.32%; vertical-align: top;">&#160;</td>
          <td style="width: 26.52%; vertical-align: bottom; border-bottom: 2px solid black;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Reference to Prior Filing or</font></div>
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Exhibit No. Attached Hereto</font></font></div>
          </td>
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        <tr>
          <td style="width: 16.42%; vertical-align: bottom;">&#160;</td>
          <td style="width: 2.66%; vertical-align: top;">&#160;</td>
          <td style="width: 52.08%; vertical-align: bottom;">&#160;</td>
          <td style="width: 2.32%; vertical-align: top;">&#160;</td>
          <td style="width: 26.52%; vertical-align: bottom;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 16.42%; vertical-align: bottom;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4</font></div>
          </td>
          <td style="width: 2.66%; vertical-align: top;">&#160;</td>
          <td style="width: 52.08%; vertical-align: bottom;">
            <div style="text-align: left;"><a href="ex4_s8062119.htm"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Form of Common
                  Stock Certificate</font></a></div>
          </td>
          <td style="width: 2.32%; vertical-align: top;">&#160;</td>
          <td style="width: 26.52%; vertical-align: bottom;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Attached as Exhibit 4<br>
            </font></td>
        </tr>
        <tr>
          <td style="width: 16.42%; vertical-align: bottom;">&#160;</td>
          <td style="width: 2.66%; vertical-align: top;">&#160;</td>
          <td style="width: 52.08%; vertical-align: bottom;">&#160;</td>
          <td style="width: 2.32%; vertical-align: top;">&#160;</td>
          <td style="width: 26.52%; vertical-align: bottom;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 16.42%; vertical-align: top;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</font></div>
          </td>
          <td style="width: 2.66%; vertical-align: top;">&#160;</td>
          <td style="width: 52.08%; vertical-align: top;">
            <div style="text-align: left;"><a href="ex5_s8062119.htm"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Opinion of
                  Luse Gorman, PC</font></a></div>
          </td>
          <td style="width: 2.32%; vertical-align: top;">&#160;</td>
          <td style="width: 26.52%; vertical-align: top;">
            <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Attached as Exhibit 5</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 16.42%; vertical-align: top;">&#160;</td>
          <td style="width: 2.66%; vertical-align: top;">&#160;</td>
          <td style="width: 52.08%; vertical-align: top;">&#160;</td>
          <td style="width: 2.32%; vertical-align: top;">&#160;</td>
          <td style="width: 26.52%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 16.42%; vertical-align: top;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10.1</font></div>
          </td>
          <td style="width: 2.66%; vertical-align: top;">&#160;</td>
          <td style="width: 52.08%; vertical-align: top;">
            <div style="text-align: left;"><a href="http://www.sec.gov/Archives/edgar/data/868271/000155837019003184/0001558370-19-003184-index.htm"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Severn Bancorp, Inc. 2019
                  Equity Incentive Plan</font></a></div>
          </td>
          <td style="width: 2.32%; vertical-align: top;">&#160;</td>
          <td style="width: 26.52%; vertical-align: top;">
            <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">*</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 16.42%; vertical-align: top;">&#160;</td>
          <td style="width: 2.66%; vertical-align: top;">&#160;</td>
          <td style="width: 52.08%; vertical-align: top;">&#160;</td>
          <td style="width: 2.32%; vertical-align: top;">&#160;</td>
          <td style="width: 26.52%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 16.42%; vertical-align: top;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10.2</font></div>
          </td>
          <td style="width: 2.66%; vertical-align: top;">&#160;</td>
          <td style="width: 52.08%; vertical-align: top;">
            <div style="text-align: left;"><a href="ex10-2_s8062119.htm"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Form of
                  Restricted Stock Award Agreement</font></a></div>
          </td>
          <td style="width: 2.32%; vertical-align: top;">&#160;</td>
          <td style="width: 26.52%; vertical-align: top;">
            <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Attached as Exhibit 10.2</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 16.42%; vertical-align: top;">&#160;</td>
          <td style="width: 2.66%; vertical-align: top;">&#160;</td>
          <td style="width: 52.08%; vertical-align: top;">&#160;</td>
          <td style="width: 2.32%; vertical-align: top;">&#160;</td>
          <td style="width: 26.52%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 16.42%; vertical-align: top;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10.3</font></div>
          </td>
          <td style="width: 2.66%; vertical-align: top;">&#160;</td>
          <td style="width: 52.08%; vertical-align: top;">
            <div style="text-align: left;"><a href="ex10-3_s8062119.htm"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Form of
                  Incentive Stock Option Award Agreement</font></a></div>
          </td>
          <td style="width: 2.32%; vertical-align: top;">&#160;</td>
          <td style="width: 26.52%; vertical-align: top;">
            <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Attached as Exhibit 10.3</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 16.42%; vertical-align: top;">&#160;</td>
          <td style="width: 2.66%; vertical-align: top;">&#160;</td>
          <td style="width: 52.08%; vertical-align: top;">&#160;</td>
          <td style="width: 2.32%; vertical-align: top;">&#160;</td>
          <td style="width: 26.52%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 16.42%; vertical-align: top;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10.4</font></div>
          </td>
          <td style="width: 2.66%; vertical-align: top;">&#160;</td>
          <td style="width: 52.08%; vertical-align: top;">
            <div style="text-align: left;"><a href="ex10-4_s8062119.htm"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Form of
                  Non-Qualified Stock Option Award Agreement</font></a></div>
          </td>
          <td style="width: 2.32%; vertical-align: top;">&#160;</td>
          <td style="width: 26.52%; vertical-align: top;">
            <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Attached as Exhibit 10.4</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 16.42%; vertical-align: top;">&#160;</td>
          <td style="width: 2.66%; vertical-align: top;">&#160;</td>
          <td style="width: 52.08%; vertical-align: top;">&#160;</td>
          <td style="width: 2.32%; vertical-align: top;">&#160;</td>
          <td style="width: 26.52%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 16.42%; vertical-align: top;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">23.1</font></div>
          </td>
          <td style="width: 2.66%; vertical-align: top;">&#160;</td>
          <td style="width: 52.08%; vertical-align: top;">
            <div style="text-align: left;"><a href="ex5_s8062119.htm"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Consent of
                  Luse Gorman, PC</font></a></div>
          </td>
          <td style="width: 2.32%; vertical-align: top;">&#160;</td>
          <td style="width: 26.52%; vertical-align: top;">
            <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Contained in Exhibit 5</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 16.42%; vertical-align: top;">&#160;</td>
          <td style="width: 2.66%; vertical-align: top;">&#160;</td>
          <td style="width: 52.08%; vertical-align: top;">&#160;</td>
          <td style="width: 2.32%; vertical-align: top;">&#160;</td>
          <td style="width: 26.52%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 16.42%; vertical-align: top;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">23.2</font></div>
          </td>
          <td style="width: 2.66%; vertical-align: top;">&#160;</td>
          <td style="width: 52.08%; vertical-align: top;">
            <div style="text-align: left;"><a href="ex23-2_s8062119.htm"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Consent of
                  BDO USA, LLP</font></a></div>
          </td>
          <td style="width: 2.32%; vertical-align: top;">&#160;</td>
          <td style="width: 26.52%; vertical-align: top;">
            <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Attached as Exhibit 23.2</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 16.42%; vertical-align: top;">&#160;</td>
          <td style="width: 2.66%; vertical-align: top;">&#160;</td>
          <td style="width: 52.08%; vertical-align: top;">&#160;</td>
          <td style="width: 2.32%; vertical-align: top;">&#160;</td>
          <td style="width: 26.52%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 16.42%; vertical-align: top;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">24</font></div>
          </td>
          <td style="width: 2.66%; vertical-align: top;">&#160;</td>
          <td style="width: 52.08%; vertical-align: top;">
            <div style="text-align: left;"><a href="#POWEROFATTORNEY"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Power of Attorney</font></a></div>
          </td>
          <td style="width: 2.32%; vertical-align: top;">&#160;</td>
          <td style="width: 26.52%; vertical-align: top;">
            <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Contained on Signature Page</font></div>
          </td>
        </tr>

    </table>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
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    <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">_________________________</font></div>
    <div style="text-align: justify; margin-bottom: 12pt;">
      <div>
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            <tr>
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                <div><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Incorporated by reference to Appendix A to the definitive proxy statement for the Annual Meeting of Stockholders of Severn Bancorp, Inc. (File No. 000-49731),
                    filed by the Company under the Exchange Act on April 23, 2019.</font></div>
              </td>
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    <div style="text-align: justify; text-indent: 72pt; margin-bottom: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(ii)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size:
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        offered (if the total dollar value of securities offered would not exceed that which was registered) and any deviation from the low or high end of the estimated maximum offering range may be reflected in the form of prospectus filed with the
        Commission pursuant to Rule 424(b) (section 230.424(b)) if, in the aggregate, the changes in volume and price represent no more than 20% change in the maximum aggregate offering price set forth in the &#8220;Calculation of Registration Fees&#8221; table in the
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    <div style="text-align: justify; text-indent: 72pt; margin-bottom: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(iii)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size:
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    <div style="text-align: justify; margin-bottom: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">provided, however</font>,
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    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2.</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px;
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    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3.</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px;
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        registrant's annual report pursuant to Section 13(a) or 15(d) of the Exchange Act (and, where applicable, each filing of an employee benefit plan's annual report pursuant to Section 15(d) of the Exchange Act) that is incorporated by reference in
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    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5.</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px;
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        registrant pursuant to the foregoing provisions, or otherwise, the registrant has been advised that in the opinion of the Commission such indemnification is against public policy as expressed in the Securities Act and is, therefore, unenforceable.&#160;
        In the event that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director, officer or controlling person of the registrant in the successful defense of any action,
        suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent,
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    <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">SIGNATURES</font></div>
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          <td style="width: 44.94%; vertical-align: top;">&#160;</td>
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            <div style="text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">SEVERN BANCORP, INC.</font></div>
            <div>&#160;</div>
            <div>&#160;</div>
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        </tr>
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            <div style="text-align: right;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">By:&#160;&#160; <br>
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          <td style="width: 44.92%; vertical-align: top;">&#160;<u>/s/ Alan J. Hyatt</u><br>
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          <td style="width: 44.94%; vertical-align: top;">&#160;</td>
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            <div style="text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Alan J. Hyatt</font></div>
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          <td style="width: 44.94%; vertical-align: top;">&#160;</td>
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            <div style="text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Chairman, President and Chief Executive Officer</font></div>
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          <td style="width: 44.94%; vertical-align: top;">&#160;</td>
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    <div><br>
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    <div><br>
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    <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"><a name="POWEROFATTORNEY"><!--Anchor--></a>POWER OF ATTORNEY</font></div>
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          <td style="width: 5.46%; vertical-align: top;">&#160;</td>
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            <div>&#160;</div>
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          <td style="width: 29.12%; vertical-align: top;">&#160;</td>
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          <td style="width: 5.46%; vertical-align: top;">&#160;</td>
          <td style="width: 29.12%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 29.14%; vertical-align: top;">&#160;</td>
          <td style="width: 5.48%; vertical-align: top;">&#160;</td>
          <td style="width: 30.8%; vertical-align: top;">&#160;</td>
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          <td style="width: 5.46%; vertical-align: top;">&#160;</td>
          <td style="width: 29.12%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 29.14%; vertical-align: top;">&#160;</td>
          <td style="width: 5.48%; vertical-align: top;">&#160;</td>
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          <td style="width: 29.14%; vertical-align: top;">&#160;</td>
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          <td style="width: 29.12%; vertical-align: top;">&#160;June 21, 2019</td>
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          <td style="width: 30.8%; vertical-align: top;">&#160;</td>
          <td style="width: 5.46%; vertical-align: top;">&#160;</td>
          <td style="width: 29.12%; vertical-align: top;">&#160;</td>
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          <td style="width: 29.14%; vertical-align: top;">&#160;</td>
          <td style="width: 5.48%; vertical-align: top;">&#160;</td>
          <td style="width: 30.8%; vertical-align: top;">&#160;</td>
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          <td style="width: 29.14%; vertical-align: top;">&#160;</td>
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            <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Director</font></div>
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          <td style="width: 5.46%; vertical-align: top;">&#160;</td>
          <td style="width: 29.12%; vertical-align: top;">&#160;</td>
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          <td style="width: 5.48%; vertical-align: top;">&#160;</td>
          <td style="width: 30.8%; vertical-align: top;">
            <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Director</font></div>
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            <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Mary Kathleen Sulick</font></div>
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Registration No. ___-_________
As filed with the Securities and Exchange
          Commission on June 21, 2019
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C.  20549
____________________
FORM S-8
REGISTRATION STATEMENT
UNDER
THE SECURITIES ACT OF 1933
Severn Bancorp, Inc.
(Exact Name of Registrant as Specified in its Charter)
Maryland
52-1726127
(State or Other Jurisdiction of
Incorporation or Organization)
(I.R.S. Employer Identification No.)
200 Westgate Circle, Suite 200
Annapolis, Maryland 21401
(Address of Principal Executive Offices)
Severn Bancorp, Inc. 2019 Equity Incentive
          Plan
(Full Title of the Plan)
Copies to:
Alan J. Hyatt
Benjamin M. Azoff, Esq.
Chairman, President and Chief Executive Officer
Jeffrey M. Cardone, Esq.
Severn Bancorp, Inc.
Luse Gorman, PC
200 Westgate Circle, Suite 200
5335 Wisconsin Ave., N.W., Suite 780
Annapolis, Maryland 21401
Washington, DC 20015-2035
(410) 260-2000
(202) 274-2000
(Name, Address and Telephone
Number of Agent for Service)
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting
          company, or an emerging growth company. See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting company" and "emerging growth company" in Rule 12b-2 of the Securities Exchange Act of 1934, as amended (the
          "Exchange Act"):
Large accelerated filer
☐
Accelerated filer
☒
Non-accelerated filer
☐
Smaller reporting company
☒
Emerging growth company
☐
If an emerging growth company, indicate by check mark if the
            registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 7(a)(2)(B) of the Securities Act.
☐
CALCULATION OF REGISTRATION FEE
Title of
Securities
to be
Registered
Amount
to be
Registered
(1)
Proposed
Maximum
Offering Price
Per Share
Proposed
Maximum
Aggregate
Offering Price
Amount of
Registration
Fee
Common stock, par value $0.01 per share
500,000
$8.66
(2)
$4,330,000
$524.80
_________________________
(1)
Together with an indeterminate number of additional shares that may be necessary to adjust the number of shares reserved for issuance pursuant to the Severn
                    Bancorp, Inc. 2019 Equity Incentive Plan (the "Equity Plan") as a result of a stock split, stock dividend or similar adjustment of the outstanding common stock of Severn Bancorp, Inc. (the "Company") pursuant to 17 C.F.R.
                    Section 230.416(a) under the Securities Act of 1933, as amended (the "Securities Act").
(2)
Determined pursuant to 17 C.F.R. Section 230.457(h)(1) of the Securities Act.
________________________
This Registration Statement shall become effective upon filing in accordance with Section 8(a) of the Securities Act of
        1933 and 17 C.F.R. § 230.462.
PART I.
Items 1 and 2.  Plan Information and Registrant Information and Employee Plan Annual Information
The documents containing the information specified in Part I of Form S-8 have been or will be sent or
        given to participants in the Plan as specified by Rule 428(b)(1) promulgated by the Securities and Exchange Commission (the "Commission") under the Securities Act.
Such documents are not being filed with the Commission, but constitute (along with the documents
        incorporated by reference into this Registration Statement pursuant to Item 3 of Part II hereof) a prospectus that meets the requirements of Section 10(a) of the Securities Act.
PART II.
Item 3.  Incorporation of Documents by Reference
The following documents previously or concurrently filed with the Commission are hereby incorporated
        by reference in this Registration Statement:
(a)
The Company's Annual Report on Form 10-K for the year ended December 31, 2018 (File No. 000-49731), filed with the Commission on April 18, 2019
        pursuant to Section 13(a) of the Securities Exchange Act of 1934, as amended (the "Exchange Act");
(b)
All other reports filed by the Company pursuant to Section 13(a) or 15(d) of the Exchange Act since the end of the year covered by the Annual Report
        on Form 10-K referred to in (a) above; and
(c)
The description of the Company's common stock contained in the Registration Statement on Form 10 filed with the Commission on June 7, 2002 to register
        the Company's common stock under the Exchange Act (Commission File No. 000-49731).
All documents subsequently filed by the Company with the Commission pursuant to Sections 13(a),
        13(c), 14, or 15(d) of the Exchange Act, after the date hereof, and prior to the filing of a post-effective amendment which indicates that all securities offered hereby have been sold or which deregisters all securities then remaining unsold, shall
        be deemed incorporated by reference into this Registration Statement and to be a part thereof from the date of the filing of such documents.  Any statement contained in the documents incorporated, or deemed to be incorporated, by reference herein
        or therein shall be deemed to be modified or superseded for purposes of this Registration Statement and the prospectus to the extent that a statement contained herein or therein or in any other subsequently filed document which also is, or is
        deemed to be, incorporated by reference herein or therein modifies or supersedes such statement.  Any such statement so modified or superseded shall not be deemed, except as so modified or superseded, to constitute a part of this Registration
        Statement and the prospectus.
All information appearing in this Registration Statement and the prospectus is qualified in its
        entirety by the detailed information, including financial statements, appearing in the documents incorporated herein or therein by reference.
Item 4.  Description of Securities
Not applicable.
Item 5.  Interests of Named Experts and Counsel
None.
Item 6.  Indemnification of Directors and Officers
Article XI of the Company's Articles of Incorporation provide that Company shall indemnify, to the fullest extent
          permitted under the Maryland General Corporation Law, its directors and officers.
Section 2-418 of the Maryland Annotated Code, Corporations and Associations Article ("Maryland Code") provides that a
          corporation may indemnify any director made a party to any proceeding by reason of service in that capacity unless it is established that: (a) the director's act or omission was material to the matter giving rise to the proceeding, and (i) was
          committed in bad faith or (ii) was the result of active and deliberate dishonesty; or (b) the director actually received an improper personal benefit in money, property, or services; or (c) in the case of any criminal proceeding, the director had
          reasonable cause to believe that the act or omission was unlawful.  A corporation is required to indemnify directors and officers against expenses they may incur in defending actions against them in such capacities if they are successful on the
          merits or otherwise in the defense of such actions.
Indemnification may be against judgments, penalties, fines, settlements and reasonable expenses, including attorney's fees, actually incurred by the director in
          connection  with the proceeding. However, if the proceeding was a proceeding by or in the right of the Company, indemnification may not be made in respect of any proceeding in which the director shall have been adjudged liable to the Company. In
          addition, no indemnity is permitted to a director with respect to any proceeding charging improper personal benefit, whether or not involving action in the director's official capacity, in which the director was adjudged to be liable on the basis
          that personal benefit was improperly received. Maryland law provides that a director who has been successful in the defense of a proceeding shall be indemnified against reasonable expenses incurred in connection with the proceeding. The provision
          also permits the advancement of reasonable expenses if the director affirms in writing that in the director's good faith belief, the director has met the applicable standard of conduct necessary for indemnification and undertakes to repay the
          amount if it is ultimately determined that the director has not met the standard of conduct necessary for indemnification. Officers, employees and agents of the Company may be indemnified by the Company to the same extent as directors.
The Maryland Code provides that the foregoing provisions shall not be deemed exclusive of any other rights to which a
          director or officer seeking indemnification may be entitled under, among other things, any bylaw or charter provision, or resolution of stockholders or directors, agreement, or otherwise.
The Company's Articles of Incorporation also provide that to the fullest extent permitted by Maryland law, no director
          or officer of the Company shall be personally liable to the Company or its shareholders for money damages.
Item 7.  Exemption From Registration Claimed
Not applicable.
Item 8.
Exhibits.
Regulation S-K
Exhibit Number
Document
Reference to Prior Filing or
Exhibit No. Attached Hereto
4
Form of Common
                  Stock Certificate
Attached as Exhibit 4
5
Opinion of
                  Luse Gorman, PC
Attached as Exhibit 5
10.1
Severn Bancorp, Inc. 2019
                  Equity Incentive Plan
*
10.2
Form of
                  Restricted Stock Award Agreement
Attached as Exhibit 10.2
10.3
Form of
                  Incentive Stock Option Award Agreement
Attached as Exhibit 10.3
10.4
Form of
                  Non-Qualified Stock Option Award Agreement
Attached as Exhibit 10.4
23.1
Consent of
                  Luse Gorman, PC
Contained in Exhibit 5
23.2
Consent of
                  BDO USA, LLP
Attached as Exhibit 23.2
24
Power of Attorney
Contained on Signature Page
_________________________
*
Incorporated by reference to Appendix A to the definitive proxy statement for the Annual Meeting of Stockholders of Severn Bancorp, Inc. (File No. 000-49731),
                    filed by the Company under the Exchange Act on April 23, 2019.
Item 9.  Undertakings
The undersigned registrant hereby undertakes:
1.
To file, during any period in which offers or sales are being made, a post-effective amendment to the Registration Statement:
(i)
to include any prospectus required by Section 10(a)(3) of the Securities Act of 1933;
(ii)
to reflect in the prospectus any facts or events arising after the effective date of the registration statement (or the most recent
        post-effective amendment thereof) which, individually or in the aggregate, represent a fundamental change in the information set forth in the registration statement.  Notwithstanding the foregoing, any increase or decrease in volume of securities
        offered (if the total dollar value of securities offered would not exceed that which was registered) and any deviation from the low or high end of the estimated maximum offering range may be reflected in the form of prospectus filed with the
        Commission pursuant to Rule 424(b) (section 230.424(b)) if, in the aggregate, the changes in volume and price represent no more than 20% change in the maximum aggregate offering price set forth in the "Calculation of Registration Fees" table in the
        effective registration statement;
(iii)
to include any material information with respect to the plan of distribution not previously disclosed in this Registration Statement or any
        material change to such information in this Registration Statement;
provided, however
,
        that paragraphs 1(i) and 1(ii) above do not apply if the information required to be included in a post-effective amendment by these paragraphs is contained in reports filed with or furnished to the Commission by the Company pursuant to Section 13
        or Section 15(d) of the Exchange Act that are incorporated by reference in this Registration Statement.
2.
That, for the purpose of determining any liability under the Securities Act, each such post-effective amendment shall be deemed to be a new
        registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial
bona

          fide
offering thereof;
3.
To remove from registration by means of a post-effective amendment any of the securities being registered which remain unsold at the termination of
        the offering;
4.
The undersigned registrant hereby undertakes that, for purposes of determining any liability under the Securities Act of 1933, each filing of the
        registrant's annual report pursuant to Section 13(a) or 15(d) of the Exchange Act (and, where applicable, each filing of an employee benefit plan's annual report pursuant to Section 15(d) of the Exchange Act) that is incorporated by reference in
        the registration statement shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof; and
5.
Insofar as indemnification for liabilities arising under the Securities Act may be permitted to directors, officers and controlling persons of the
        registrant pursuant to the foregoing provisions, or otherwise, the registrant has been advised that in the opinion of the Commission such indemnification is against public policy as expressed in the Securities Act and is, therefore, unenforceable. 
        In the event that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director, officer or controlling person of the registrant in the successful defense of any action,
        suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent,
        submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Securities Act and will be governed by the final adjudication of such issue.
SIGNATURES
The
          Registrant.
Pursuant to the requirements of the Securities Act of 1933, as amended, the Registrant certifies that it has reasonable grounds to believe that it meets all of the requirements for filing on Form S-8 and has duly caused this
        registration statement to be signed on its behalf by the undersigned, thereunto duly authorized, in the City of Annapolis, State of Maryland, on June 21, 2019.
SEVERN BANCORP, INC.
By:
/s/ Alan J. Hyatt
Alan J. Hyatt
Chairman, President and Chief Executive Officer
(Duly Authorized Representative)
POWER OF ATTORNEY
We, the undersigned directors and officers of Severn Bancorp, Inc. (the "Company") hereby severally
        constitute and appoint Alan J. Hyatt, as our true and lawful attorney and agent, to do any and all things in our names in the capacities indicated below which said Alan J. Hyatt may deem necessary or advisable to enable the Company to comply with
        the Securities Act of 1933, as amended, and any rules, regulations and requirements of the Securities and Exchange Commission, in connection with the registration of shares of common stock to be issued upon the exercise of stock options and the
        award of restricted stock under the Severn Bancorp, Inc. 2019 Equity Incentive Plan, including specifically, but not limited to, power and authority to sign for us in our names in the capacities indicated below the registration statement and any
        and all amendments (including post-effective amendments) thereto; and we hereby approve, ratify and confirm all that said Alan J. Hyatt shall do or cause to be done by virtue thereof.
Pursuant to the requirements of the Securities Act of 1933, as amended, this registration statement
        has been signed by the following persons in the capacities and on the date indicated.
Signatures
Title
Date
/s/ Alan J. Wyatt
Chairman, President and Chief
June 21, 2019
Alan J. Hyatt
Executive Officer
(Principal Executive Officer)
/s/ Marc Winkler
Interim Chief Financial
June 21, 2019
Marc Winkler
Officer
(Principal Financial and Accounting Officer)
/s/ Konrad M. Wayson
Vice Chairman
June 21, 2019
Konrad M. Wayson
/s/ Raymond S. Crosby
Director
June 21, 2019
Raymond S. Crosby
Signatures
Title
Date
/s/ Dr. James H. Johnson, Jr.
Director
June 21, 2019
Dr. James H. Johnson, Jr.
/s/ David S. Jones
Director
June 21, 2019
David S. Jones
/s/ Eric M. Keitz
Executive Vice President, Chief
June 21, 2019
Eric M. Keitz
Operating Officer and Director
/s/ John A. Lamon, III
Director
June 21, 2019
John A. Lamon, III
/s/ Mary Kathleen Sulick
Director
June 21, 2019
Mary Kathleen Sulick