<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, 1998 AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                      20,312,530
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             7,894,094
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 28,183,515
<INVESTMENTS-CARRYING>                      18,279,414
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    182,949,256
<ALLOWANCE>                                  1,931,847
<TOTAL-ASSETS>                             265,802,363
<DEPOSITS>                                 229,910,164
<SHORT-TERM>                                 7,914,651
<LIABILITIES-OTHER>                          1,807,516
<LONG-TERM>                                    300,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     5,967,222
<OTHER-SE>                                  19,902,810
<TOTAL-LIABILITIES-AND-EQUITY>             265,802,263
<INTEREST-LOAN>                             13,046,553
<INTEREST-INVEST>                            1,925,144
<INTEREST-OTHER>                               441,254
<INTEREST-TOTAL>                            15,412,951
<INTEREST-DEPOSIT>                           4,944,668
<INTEREST-EXPENSE>                           5,267,202
<INTEREST-INCOME-NET>                       10,145,749
<LOAN-LOSSES>                                  700,000
<SECURITIES-GAINS>                              52,882
<EXPENSE-OTHER>                              4,232,231
<INCOME-PRETAX>                              5,266,400
<INCOME-PRE-EXTRAORDINARY>                   3,463,400
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 3,463,400
<EPS-PRIMARY>                                      .50
<EPS-DILUTED>                                      .42
<YIELD-ACTUAL>                                       0<F1>
<LOANS-NON>                                  1,139,000
<LOANS-PAST>                                    26,000
<LOANS-TROUBLED>                               816,589
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,638,633
<CHARGE-OFFS>                                  471,010
<RECOVERIES>                                    64,224
<ALLOWANCE-CLOSE>                            1,931,847
<ALLOWANCE-DOMESTIC>                         1,931,847
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Information is not calculated for interim reports.
</FN>
        

</TABLE>