<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM COLUMBIA
BANCORP'S 10-QSB FOR THE PERIOD ENDED SEPTEMBER 30, 1997 AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                      16,059,314
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                               945,886
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 34,349,977
<INVESTMENTS-CARRYING>                      15,083,812
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    149,641,636
<ALLOWANCE>                                  1,546,526
<TOTAL-ASSETS>                             222,609,879
<DEPOSITS>                                 194,268,814
<SHORT-TERM>                                 4,869,043
<LIABILITIES-OTHER>                          1,155,896
<LONG-TERM>                                    300,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     5,477,139
<OTHER-SE>                                  16,538,987
<TOTAL-LIABILITIES-AND-EQUITY>             222,609,879
<INTEREST-LOAN>                             10,681,602
<INTEREST-INVEST>                            2,250,920
<INTEREST-OTHER>                               306,750
<INTEREST-TOTAL>                            13,239,272
<INTEREST-DEPOSIT>                           4,559,472
<INTEREST-EXPENSE>                           4,651,342
<INTEREST-INCOME-NET>                        8,587,930
<LOAN-LOSSES>                                  470,000
<SECURITIES-GAINS>                             (3,114)
<EXPENSE-OTHER>                              4,077,962
<INCOME-PRETAX>                              4,036,854
<INCOME-PRE-EXTRAORDINARY>                   2,749,830
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 2,749,830
<EPS-PRIMARY>                                     1.18
<EPS-DILUTED>                                     1.18
<YIELD-ACTUAL>                                       0<F1>
<LOANS-NON>                                  1,211,000
<LOANS-PAST>                                   345,000
<LOANS-TROUBLED>                                50,000
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               994,576
<CHARGE-OFFS>                                   19,420
<RECOVERIES>                                   101,370
<ALLOWANCE-CLOSE>                            1,546,526
<ALLOWANCE-DOMESTIC>                         1,546,526
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>INFORMATION NOT CALCULATED FOR INTERIM REPORTS
</FN>
        

</TABLE>