<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED FINANCIAL STATEMENTS AND NOTES CONTAINED IN THE 1997 ANNUAL REPORT
TO SHAREHOLDERS OF COLUMBIA BANCORP AND IS QUALIFIED IN ITS ENTIRETY BY REFEENCE
TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                          16,878
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 2,834
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     31,310
<INVESTMENTS-CARRYING>                          17,494
<INVESTMENTS-MARKET>                            17,849
<LOANS>                                        156,849
<ALLOWANCE>                                      1,639
<TOTAL-ASSETS>                                 231,827
<DEPOSITS>                                     201,568
<SHORT-TERM>                                     4,600
<LIABILITIES-OTHER>                              2,071
<LONG-TERM>                                        600
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         5,528
<OTHER-SE>                                      16,029
<TOTAL-LIABILITIES-AND-EQUITY>                 231,827
<INTEREST-LOAN>                                 14,764
<INTEREST-INVEST>                                2,993
<INTEREST-OTHER>                                   386
<INTEREST-TOTAL>                                18,144
<INTEREST-DEPOSIT>                               6,085
<INTEREST-EXPENSE>                                 184
<INTEREST-INCOME-NET>                           11,874
<LOAN-LOSSES>                                      581
<SECURITIES-GAINS>                                (11)
<EXPENSE-OTHER>                                      0
<INCOME-PRETAX>                                  5,682
<INCOME-PRE-EXTRAORDINARY>                       5,682
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,886
<EPS-PRIMARY>                                     1.71
<EPS-DILUTED>                                     1.67
<YIELD-ACTUAL>                                    9.30
<LOANS-NON>                                      1,041
<LOANS-PAST>                                       414
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   995
<CHARGE-OFFS>                                       40
<RECOVERIES>                                       103
<ALLOWANCE-CLOSE>                                1,639
<ALLOWANCE-DOMESTIC>                             1,639
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>