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): February 4, 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 February 4, 2004, announcing its
results of operations for the fourth quarter and the year ended December 31,
2003. 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:  February 4, 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
               February 4, 2004.