<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 10Q FOR THE PERIOD ENDED JUNE 30, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                      18,551,281
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             4,230,310
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 30,132,791
<INVESTMENTS-CARRYING>                      17,183,099
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    175,327,465
<ALLOWANCE>                                  1,665,868
<TOTAL-ASSETS>                             253,109,786
<DEPOSITS>                                 218,420,545
<SHORT-TERM>                                 7,918,511
<LIABILITIES-OTHER>                          1,548,218
<LONG-TERM>                                    300,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     5,954,049
<OTHER-SE>                                  18,968,463
<TOTAL-LIABILITIES-AND-EQUITY>             253,109,786
<INTEREST-LOAN>                              8,416,856
<INTEREST-INVEST>                            1,282,710
<INTEREST-OTHER>                               225,368
<INTEREST-TOTAL>                             9,924,934
<INTEREST-DEPOSIT>                           3,205,783
<INTEREST-EXPENSE>                           3,415,358
<INTEREST-INCOME-NET>                        6,509,576
<LOAN-LOSSES>                                  450,000
<SECURITIES-GAINS>                              35,560
<EXPENSE-OTHER>                              2,729,076
<INCOME-PRETAX>                              3,366,060
<INCOME-PRE-EXTRAORDINARY>                   2,219,317
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 2,219,317
<EPS-PRIMARY>                                      .64
<EPS-DILUTED>                                      .62
<YIELD-ACTUAL>                                       0<F1>
<LOANS-NON>                                  1,145,000
<LOANS-PAST>                                    13,000
<LOANS-TROUBLED>                               716,000
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,638,633
<CHARGE-OFFS>                                  460,822
<RECOVERIES>                                    38,057
<ALLOWANCE-CLOSE>                            1,665,868
<ALLOWANCE-DOMESTIC>                         1,665,868
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Information not calculated for interim reports.
</FN>
        

</TABLE>