<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED FINANCIAL STATEMENTS AND NOTES CONTAINED IN THE 1996 ANNUAL REPORT
TO SHAREHOLDERS OF COLUMBIA BANCORP AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                          16,030
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 7,367
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     10,386
<INVESTMENTS-CARRYING>                          41,098
<INVESTMENTS-MARKET>                            41,162
<LOANS>                                        119,222
<ALLOWANCE>                                        995
<TOTAL-ASSETS>                                 200,302
<DEPOSITS>                                     178,744
<SHORT-TERM>                                       600
<LIABILITIES-OTHER>                              1,425
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                            5,139
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      13,336
<TOTAL-LIABILITIES-AND-EQUITY>                 200,302
<INTEREST-LOAN>                                 11,855
<INTEREST-INVEST>                                2,865
<INTEREST-OTHER>                                   665
<INTEREST-TOTAL>                                15,385
<INTEREST-DEPOSIT>                               5,685
<INTEREST-EXPENSE>                               5,745
<INTEREST-INCOME-NET>                            9,639
<LOAN-LOSSES>                                      246
<SECURITIES-GAINS>                                   1
<EXPENSE-OTHER>                                  7,156
<INCOME-PRETAX>                                  4,012
<INCOME-PRE-EXTRAORDINARY>                       4,012
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,727
<EPS-PRIMARY>                                     1.19
<EPS-DILUTED>                                     1.19
<YIELD-ACTUAL>                                    9.13
<LOANS-NON>                                         52
<LOANS-PAST>                                        30
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,072
<CHARGE-OFFS>                                      377
<RECOVERIES>                                        53
<ALLOWANCE-CLOSE>                                  995
<ALLOWANCE-DOMESTIC>                               995
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>