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                                                                  EXHIBIT 10.13B

                                COLUMBIA BANCORP

                          10480 Little Patuxent Parkway
                             Columbia Maryland 21044

                               ____________, 20__

                        Incentive Stock Option Agreement

[Name]
[Address]

Dear ____________:

     The Administrator of the Columbia Bancorp 1997 Stock Option Plan (the
"Plan") takes pleasure in extending to you an option (the "Option") to purchase
shares of Common Stock of Columbia Bancorp (the "Common Stock") pursuant to the
Plan. The Option shall be subject to the following terms and conditions:

          (1) Incentive Stock Option. The Option is intended to qualify as an
     incentive stock option within the meaning of Section 422 of the Internal
     Revenue Code of 1986, as amended or replaced (the "Code"), to the fullest
     extent permitted within the limit set forth under Section 422(d) of the
     Code. The tax treatment under Code Section 421 for incentive stock options
     may not be applicable to a transfer of the Shares (as defined in Paragraph
     (2) hereof) to you if the Option or the Shares do not satisfy the
     requirements of: (i) Code Section 421(b) (denying Code Section 421 tax
     treatment upon a disposition of the Shares within two (2) years from the
     Date of Grant or one (1) year after the transfer of Shares to you); (ii)
     Code Section 422(a)(2) (denying such tax treatment if you have not been an
     employee continuously from the Date of Grant up to at least three (3)
     months before the date of exercise, except in the case of disability or
     death); or (iii) Code Section 422(b) (other requirements for incentive
     stock options).

          (2) Number of Shares. The Option covers ________ shares of Common
     Stock (the "Shares").

          (3) Option Price. The exercise price per share of Common Stock covered
     by the Option shall be $_________ ("Exercise Price Per Share"; hereinafter
     "Exercise Price" means the exercise price with respect to all Shares
     acquired pursuant to each exercise of the Option).

          (4) Exercise of Option. [For Options of 200 Shares or Less: Except as
     provided in Section 5(c) of the Plan, this Option may not be exercised
     during the first year after the Date of Grant, as defined in Paragraph (6)
     hereof. Unless

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     terminated earlier pursuant to other provisions hereof, this Option shall
     become exercisable in full after one year after the Date of Grant.] [For
     Options of More than 200 Shares: Except as provided in Section 5(c) of the
     Plan, this Option (A) may not be exercised during the first year after the
     Date of Grant, and (B) unless terminated earlier pursuant to other
     provisions hereof, the Option may be exercised to acquire up to: (i)
     twenty-five percent (25%) of the Shares after one year after the Date of
     Grant; (ii) fifty percent (50%) after two years; (iii) seventy-five percent
     (75%) after three years; and (iv) one hundred percent (100%) after four
     years.

          (5) Termination of Employment. This Option, to the extent it is not
     then exercisable, shall terminate when your employment with Columbia
     Bancorp (the "Company") and all Subsidiaries terminates. Except as provided
     in Paragraphs (5)(A) and (5)(B) hereof, the Option, to the extent it is
     exercisable but has not been exercised (the "Unexercised Option"), shall
     also terminate when your employment with the Company and its Subsidiaries
     terminates.

               (A) Retirement or Voluntary Resignation. If you terminate
     employment with the Company and its Subsidiaries due to (i) Retirement, as
     defined hereinafter, or (ii) voluntary resignation with the consent of the
     Board of Directors of the Company or a Subsidiary, the Unexercised Option
     may be exercised until the expiration of three (3) months after the date
     your employment terminates. "Retirement" means a retirement from employment
     with the Company and its Subsidiaries either on or after the first day of
     the month coinciding with or next following your sixty-fifth (65th)
     birthday.

               (B) Death or Disability. If you terminate employment with the
     Company and its Subsidiaries due to (i) death or (ii) Disability, as
     defined hereinafter, the Unexercised Option may be exercised (in the case
     of death, by your executor, personal representative, or the person to whom
     the Unexercised Option shall have been transferred by will or the laws of
     descent and distribution, as the case may be) until the expiration of one
     (1) year after the date of your termination of employment. If you die
     during the three (3) month post-termination exercise period provided to you
     under Paragraph 5(A) above, the Unexercised Option may be exercised by your
     executor, personal representative, or the person to whom the Unexercised
     Option shall have been transferred by will or the laws of descent and
     distribution, as the case may be, until the expiration of one (1) year
     after the date of your death. "Disability" means a permanent mental or
     physical disability due to accident or illness that renders you unable to
     perform every duty of your occupation with the Company and the Subsidiaries
     for a period of at least one hundred eighty (180) days, provided that you
     establish such disability to the satisfaction of the Administrator.
     Evidence of such Disability shall include the certificate of a competent
     licensed physician selected by you and approved by the Administrator which
     confirms that you have a Disability as defined herein.

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          (6) Term of Option. This Option is effective as of the date the
     Administrator approved the Option, _______________, 20___ (the "Date of
     Grant"). Notwithstanding anything herein to the contrary, this Option may
     not be exercised, in whole or in part, after ten (10) years from the Date
     of Grant (i.e., after ________________, 20___).

          (7) Manner of Exercise. You or any person exercising the Option may do
     so only by delivering written notice thereof to the Administrator. Such
     notice shall be in such form as the Administrator may require at its sole
     discretion.

               (A) Payment of Exercise Price. Full payment for the Exercise
     Price shall be made at or prior to the time that the Option, or any part
     thereof, is exercised (or, in the discretion of the Administrator, at such
     later time as the certificates for such Shares are delivered). Such payment
     shall be made: (i) by cash or certified check; (ii) by tender (via delivery
     or attestation to the Company of other shares of Common Stock of the
     Company which have a Fair Market Value on the date of tender equal to the
     Exercise Price, provided that such shares have been owned by you for a
     period of at least six months free of any substantial risk of forfeiture or
     were purchased on the open market without assistance, direct or indirect,
     from the Company; or (iii) by a broker-assisted cashless exercise in
     accordance with Regulation T of the Board of Governors of the Federal
     Reserve System and other applicable laws through a brokerage firm
     pre-approved by the Administrator.

               (B) Withholding Taxes. In the event any federal, state or local
     income and employment taxes required to be withheld with respect to the
     Option (e.g., upon a loss of tax treatment under Code Section 421), you
     shall pay to the Company, or make provision satisfactory to the
     Administrator for payment of such taxes no later than the date of the event
     creating the tax liability. The Company may, to the extent permitted by
     law, deduct any such tax obligations from any payment of any kind otherwise
     due to you. In the event that payment to the Company of such tax
     obligations is made in shares of Common Stock, such shares shall be valued
     at Fair Market Value on the applicable date for such purposes.

          (8) Right As Stockholder. You will have no rights as a stockholder
     solely because of the grant or exercise of the Option before the
     certificates for the Shares as to which the Option has been exercised is
     issued to you by the Company.

          (9) Option Non-Assignable and Non-Transferable. The Option and all
     rights granted hereunder, including the right to surrender the Option, is
     not assignable or transferable other than by will or the laws of descent
     and distribution and, during your lifetime, is exercisable only by you or
     your guardian or legal representative.

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          (10) Restricted Stock. You will receive Shares restricted in terms of
     transferability, as will be indicated in a legend printed on the stock
     certificate in the event that there is not an effective registration
     statement with respect to such Shares at the time of their issue.

          (11) Terms of Plan. The Option is granted under and subject to the
     provisions applicable to incentive stock options under the Plan, a copy of
     which is attached hereto and made a part hereof. Unless stated otherwise
     herein, capitalized terms herein shall have the same meaning as defined in
     the Plan.

          (12) Notices. Any notice required or permitted to be given to the
     Administrator shall be sufficient if in writing and hand delivered, or sent
     by registered or certified mail, to:

               Personnel, Compensation and Stock Option Committee
               Columbia Bancorp
               9171 Baltimore National Pike
               Ellicott City, Maryland  21042

     Such notice shall be deemed given as of the date of delivery or, if
     delivery is made by mail, as of the date shown on the postmark on the
     receipt for registration or certification.

          (13) Non-Guarantee of Employment. Nothing in the Plan or in this
     Incentive Stock Option Agreement shall confer any right on an individual to
     continue in the employ of the Company or any Subsidiary or shall interfere
     in any way with the right of the Company or a Subsidiary to terminate such
     employment at any time with or without cause or notice and whether or not
     such discharge results in the Option becoming unexercisable.

          (14) Binding Effect. The covenants and agreements of this Incentive
     Stock Option Agreement contained herein shall be binding upon, and inure to
     the benefit of, the heirs, legal representatives, successors, and assigns
     of the respective parties hereto.

          (15) Entire Agreement. Except as provided in Paragraph (11) hereof,
     this Incentive Stock Option Agreement contains the entire agreement between
     the Company and you with respect to the subject matter contained herein.
     Any oral or written agreements, representations, warranties, written
     inducements, or other communications made prior to the execution of this
     Incentive Stock Option Agreement shall be void and ineffective for all
     purposes.

          (16) Governing Law. The validity, construction and effect of this
     Incentive Stock Option Agreement, and of any rules, regulations,
     determinations or decisions made by the Administrator relating thereto, and
     the rights of any and all persons having or claiming to have any interest
     hereunder, shall be determined

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     exclusively in accordance with applicable federal laws and the laws of the
     State of Maryland, without regard to its conflict of laws principles.

          (17) Amendment. This Incentive Stock Option Agreement may be amended
     from time to time by the Administrator in its discretion; provided,
     however, that it may not be amended in a manner that would have a
     materially adverse effect on the Option as determined in the discretion of
     the Administrator, except as provided in the Plan or in a written document
     signed by you and the Company.

                        {Signatures appear on next page}

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     The copy of the Option enclosed should be signed by you, dated, and
returned to the Company prior to _______________, 20__ to acknowledge your
receipt of the Option and your approval of each of the terms and conditions
hereof. If the Option has not been accepted and approved by you in writing by
such date, it shall terminate.

                                        Very truly yours,

                                        ADMINISTRATOR, COLUMBIA BANCORP
                                        1997 STOCK OPTION PLAN

                                        By: ____________________________________
                                        Print Name: ____________________________
                                        Title: _________________________________

Accepted and Approved:


______________________________________
Print Name: __________________________
Dated: _________________________, 20__

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