<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 SEPTEMBER 30, 1999 AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                      19,949,618
<INT-BEARING-DEPOSITS>                       5,228,506
<FED-FUNDS-SOLD>                             4,434,524
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 42,668,216
<INVESTMENTS-CARRYING>                      22,689,008
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    234,943,053
<ALLOWANCE>                                  3,206,493
<TOTAL-ASSETS>                             355,632,024
<DEPOSITS>                                 307,571,550
<SHORT-TERM>                                 8,311,197
<LIABILITIES-OTHER>                          2,804,669
<LONG-TERM>                                    300,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                    14,378,714
<OTHER-SE>                                  22,265,894
<TOTAL-LIABILITIES-AND-EQUITY>             355,632,024
<INTEREST-LOAN>                             16,431,161
<INTEREST-INVEST>                            2,324,311
<INTEREST-OTHER>                             1,012,354
<INTEREST-TOTAL>                            19,767,826
<INTEREST-DEPOSIT>                           5,916,220
<INTEREST-EXPENSE>                           6,279,730
<INTEREST-INCOME-NET>                       13,488,096
<LOAN-LOSSES>                                  855,000
<SECURITIES-GAINS>                               8,566
<EXPENSE-OTHER>                              6,721,366
<INCOME-PRETAX>                              5,920,296
<INCOME-PRE-EXTRAORDINARY>                   3,664,235
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 3,664,235
<EPS-BASIC>                                        .46
<EPS-DILUTED>                                      .45
<YIELD-ACTUAL>                                    9.19
<LOANS-NON>                                    343,000
<LOANS-PAST>                                     1,000
<LOANS-TROUBLED>                               541,000
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             2,380,220
<CHARGE-OFFS>                                  116,782
<RECOVERIES>                                    88,055
<ALLOWANCE-CLOSE>                            3,206,493
<ALLOWANCE-DOMESTIC>                         3,206,493
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>