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


                                    FORM 8-K


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


        Date of report (Date of earliest event reported): April 22, 2004


                         MARLIN BUSINESS SERVICES CORP.
                 (Exact Name of Registrant Specified in Charter)


     Pennsylvania                 000-50448                   38-3686388
  (State or Other              (Commission File           (I.R.S. Employer
   Jurisdiction of                  Number)                Identification No.)
   Incorporation)



                 124 Gaither Drive, Suite 170
                        Mount Laurel, NJ                        08054
            (Address of Principal Executive Offices)          (Zip Code)


       Registrant's telephone number, including area code: (888) 479-9111


                                 Not Applicable
          (Former Name or Former Address, if Changed Since Last Report)








Item 12. Results of Operations and Financial Condition

The Registrant issued a press release on April 22, 2004, announcing its results
of operations for the first quarter ended March 31, 2004. A copy of the press
release is being furnished as Exhibit 99.1 to this report.

The information in this Current Report is being furnished and shall not be
deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934
or otherwise subject to the liabilities of that Section. The information in this
Current Report shall not be incorporated by reference into any registration
statement or other document filed with the Securities and Exchange Commission.










                                    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.


                                        MARLIN BUSINESS SERVICES CORP.


Date:  April 22, 2004                   By:  /s/ Daniel P. Dyer
                                             -----------------------------------
                                             Name: Daniel P. Dyer
                                             Title: Chief Executive Officer







                                INDEX TO EXHIBITS



99.1   Press Release issued by Marlin Business Services Corp. on April 22, 2004.