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

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               JUN-30-1999
<CASH>                                      24,543,229
<INT-BEARING-DEPOSITS>                       6,737,118
<FED-FUNDS-SOLD>                             3,000,366
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 40,343,013
<INVESTMENTS-CARRYING>                      22,689,180
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    220,639,345
<ALLOWANCE>                                  3,028,914
<TOTAL-ASSETS>                             340,834,399
<DEPOSITS>                                 293,895,298
<SHORT-TERM>                                 8,330,250
<LIABILITIES-OTHER>                          2,587,170
<LONG-TERM>                                    300,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                    14,239,712
<OTHER-SE>                                  21,481,969
<TOTAL-LIABILITIES-AND-EQUITY>             340,834,399
<INTEREST-LOAN>                             10,515,754
<INTEREST-INVEST>                            1,462,884
<INTEREST-OTHER>                               777,521
<INTEREST-TOTAL>                            12,756,159
<INTEREST-DEPOSIT>                           3,896,704
<INTEREST-EXPENSE>                           4,131,506
<INTEREST-INCOME-NET>                        8,624,653
<LOAN-LOSSES>                                  685,000
<SECURITIES-GAINS>                               8,417
<EXPENSE-OTHER>                              4,371,388
<INCOME-PRETAX>                              3,576,682
<INCOME-PRE-EXTRAORDINARY>                   2,257,259
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 2,257,259
<EPS-BASIC>                                        .28
<EPS-DILUTED>                                      .28
<YIELD-ACTUAL>                                    8.90
<LOANS-NON>                                    849,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                               568,000
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             2,380,220
<CHARGE-OFFS>                                  101,528
<RECOVERIES>                                    65,222
<ALLOWANCE-CLOSE>                            3,028,914
<ALLOWANCE-DOMESTIC>                         3,028,914
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>