<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, 1999 AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1999
<CASH>                                      21,661,040
<INT-BEARING-DEPOSITS>                      14,955,674
<FED-FUNDS-SOLD>                            14,680,586
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 35,197,496
<INVESTMENTS-CARRYING>                      21,161,895
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    205,099,730
<ALLOWANCE>                                  2,694,006
<TOTAL-ASSETS>                             334,554,791
<DEPOSITS>                                 287,985,957
<SHORT-TERM>                                 8,492,693
<LIABILITIES-OTHER>                          2,449,211
<LONG-TERM>                                    300,000
<PREFERRED-MANDATORY>                       14,208,691
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                  21,118,239
<TOTAL-LIABILITIES-AND-EQUITY>             334,554,791
<INTEREST-LOAN>                              5,068,903
<INTEREST-INVEST>                              656,150
<INTEREST-OTHER>                               444,318
<INTEREST-TOTAL>                             6,169,371
<INTEREST-DEPOSIT>                           1,923,152
<INTEREST-EXPENSE>                           2,039,572
<INTEREST-INCOME-NET>                        4,129,799
<LOAN-LOSSES>                                  350,000
<SECURITIES-GAINS>                               6,752
<EXPENSE-OTHER>                              2,092,315
<INCOME-PRETAX>                              1,694,236
<INCOME-PRE-EXTRAORDINARY>                   1,099,310
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,099,310
<EPS-PRIMARY>                                      .14
<EPS-DILUTED>                                      .14
<YIELD-ACTUAL>                                     866
<LOANS-NON>                                  1,349,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                               675,000
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             2,380,220
<CHARGE-OFFS>                                   72,462
<RECOVERIES>                                    36,248
<ALLOWANCE-CLOSE>                            2,694,006
<ALLOWANCE-DOMESTIC>                         2,694,006
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>