<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM COLUMBIA
BANCORP'S CONSOLIDATED FINANCIAL STATEMENTS CONTAINED IN ITS QUARTERLY REPORT ON
FORM 10-Q FOR THE PERIOD ENDED MARCH 31, 1998 AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                      20,015,574
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             9,966,281
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 27,148,105
<INVESTMENTS-CARRYING>                      16,818,016
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    156,607,484
<ALLOWANCE>                                  1,872,531
<TOTAL-ASSETS>                             242,755,218
<DEPOSITS>                                 207,933,690
<SHORT-TERM>                                 8,684,989
<LIABILITIES-OTHER>                          1,825,424
<LONG-TERM>                                    300,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     5,918,261
<OTHER-SE>                                  18,092,854
<TOTAL-LIABILITIES-AND-EQUITY>             242,755,218
<INTEREST-LOAN>                              4,132,585
<INTEREST-INVEST>                              625,603
<INTEREST-OTHER>                               100,939
<INTEREST-TOTAL>                             4,859,127
<INTEREST-DEPOSIT>                           1,541,124
<INTEREST-EXPENSE>                           1,629,277
<INTEREST-INCOME-NET>                        3,229,850
<LOAN-LOSSES>                                  225,000
<SECURITIES-GAINS>                              33,960
<EXPENSE-OTHER>                              1,545,080
<INCOME-PRETAX>                              1,493,730
<INCOME-PRE-EXTRAORDINARY>                   1,005,877
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,005,877
<EPS-PRIMARY>                                      .29
<EPS-DILUTED>                                      .28
<YIELD-ACTUAL>                                       0<F1>
<LOANS-NON>                                  1,452,000
<LOANS-PAST>                                   601,000
<LOANS-TROUBLED>                               548,000
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,638,633
<CHARGE-OFFS>                                   15,492
<RECOVERIES>                                    24,390
<ALLOWANCE-CLOSE>                            1,872,531
<ALLOWANCE-DOMESTIC>                         1,872,531
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Information not calculated for interim reports
</FN>
        

</TABLE>