<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED FINANCIAL STATEMENTS AND NOTES CONTAINED IN THE 1998 ANNUAL REPORT
TO SHAREHOLDERS OF COLUMBIA BANCORP AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                      53,218,907
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                            12,554,775
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 30,583,969
<INVESTMENTS-CARRYING>                      17,310,222
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    209,715,962
<ALLOWANCE>                                  2,380,220
<TOTAL-ASSETS>                             342,413,249
<DEPOSITS>                                 295,680,389
<SHORT-TERM>                                 9,434,095
<LIABILITIES-OTHER>                          2,242,545
<LONG-TERM>                                    300,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                    14,125,315
<OTHER-SE>                                  20,630,905
<TOTAL-LIABILITIES-AND-EQUITY>             342,413,249
<INTEREST-LOAN>                             17,938,902
<INTEREST-INVEST>                            3,059,333
<INTEREST-OTHER>                               329,615
<INTEREST-TOTAL>                            21,327,850
<INTEREST-DEPOSIT>                           6,766,166
<INTEREST-EXPENSE>                           7,204,754
<INTEREST-INCOME-NET>                       14,123,096
<LOAN-LOSSES>                                1,000,000
<SECURITIES-GAINS>                             103,833
<EXPENSE-OTHER>                              6,059,177
<INCOME-PRETAX>                              7,167,752
<INCOME-PRE-EXTRAORDINARY>                   4,717,853
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 4,717,853
<EPS-PRIMARY>                                      .67
<EPS-DILUTED>                                      .65
<YIELD-ACTUAL>                                    9.25
<LOANS-NON>                                  1,082,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                               825,000
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,638,633
<CHARGE-OFFS>                                  767,000
<RECOVERIES>                                    98,000
<ALLOWANCE-CLOSE>                            2,380,000
<ALLOWANCE-DOMESTIC>                         2,380,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>