<PAGE>

                                                                  EXHIBIT 10.18a
COLUMBIA BANCORP

                      COLUMBIA BANCORP 401(k) PLAN & TRUST

                              DAILYACCESS.COM, INC.
                  DEFINED CONTRIBUTION PROTOTYPE PLAN AND TRUST
                   NONSTANDARDIZED 401(k) PROFIT SHARING PLAN

<PAGE>

NONSTANDARDIZED 401(k) PROFIT SHARING PLAN: COLUMBIA BANCORP 401(k) PLAN & TRUST

                             ADOPTION AGREEMENT #005
                   NONSTANDARDIZED 401(k) PROFIT SHARING PLAN

        The undersigned, Columbia Bancorp ("Employer"), by executing this
Adoption Agreement, elects to establish a retirement plan and trust ("Plan")
under the DailyAccess.Com, Inc. Defined Contribution Prototype Plan and Trust
(basic plan document # 01). The Employer, subject to the Employer's Adoption
Agreement elections, adopts fully the Prototype Plan and Trust provisions. This
Adoption Agreement, the basic plan document and any attached appendices or
addenda, constitute the Employer's entire plan and trust document. All section
references within this Adoption Agreement are Adoption Agreement section
references unless the Adoption Agreement or the context indicate otherwise. All
article references are basic plan document and Adoption Agreement references as
applicable. Numbers in parenthesis which follow headings are references to basic
plan document sections. The Employer makes the following elections granted under
the corresponding provisions of the basic plan document.

                                    ARTICLE I
                                   DEFINITIONS

1.      PLAN (1.21). The name of the Plan as adopted by the Employer is Columbia
        Bancorp 401(k) Plan & Trust.

2.      TRUSTEE (1.33). The Trustee executing this Adoption Agreement is:
        (Choose (a) or (b))

[ ]     (a) A DISCRETIONARY TRUSTEE. See Plan Section 10.03[A].

[X]     (b) A NONDISCRETIONARY TRUSTEE. See Plan Section 10.03[B].

3.      EMPLOYEE (1.11). The following Employees are not eligible to participate
in the Plan: (Choose (a) or one or more of (b) through (f) as applicable)

[ ]     (a) NO EXCLUSIONS.

[ ]     (b) COLLECTIVE BARGAINING EMPLOYEES.

[ ]     (c) NONRESIDENT ALIENS.

[X]     (d) LEASED EMPLOYEES.

[X]     (e) CLASSIFICATIONS: A part-time employee who is not classified as a
        regular part-time employee is excluded until the first day of the
        payroll period after the later of (i) the employee is credited with a
        Year of Service for eligibility purposes or (ii) March 1, 2000.

[ ]     (f) EXCLUSIONS BY TYPES OF CONTRIBUTIONS. The following
        classification(s) of Employees are not eligible for the specified
        contributions:

                EMPLOYEE CLASSIFICATION:________________

                CONTRIBUTION TYPE:________________

4.      COMPENSATION (1.07). The Employer makes the following election(s)
regarding the definition of Compensation for purposes of the contribution
allocation formula under Article III: (Choose one of (a), (b) or (c))

[X]     (a) W-2 WAGES INCREASED BY ELECTIVE CONTRIBUTIONS.

[ ]     (b) CODE Section 3401(a) FEDERAL INCOME TAX WITHHOLDING WAGES INCREASED
        BY ELECTIVE CONTRIBUTIONS.

[ ]     (c) 415 COMPENSATION.

[Note: Each of the Compensation definitions in (a), (b) and (c) includes
Elective Contributions. See Plan Section 1.07(D). To exclude Elective
Contributions, the Employer must elect (g).]

(C) Copyright 2001 DailyAccess.Com, Inc.

                                        1

<PAGE>

NONSTANDARDIZED 401(k) PROFIT SHARING PLAN: COLUMBIA BANCORP 401(k) PLAN & Trust

COMPENSATION TAKEN INTO ACCOUNT. For the Plan Year in which an Employee first
becomes a Participant, the Plan Administrator will determine the allocation of
Employer contributions (excluding deferral contributions) by taking into
account: (Choose one of (d) or (e))

[ ]     (d) PLAN YEAR. The Employee's Compensation for the entire Plan Year.

[ ]     (e) COMPENSATION WHILE A PARTICIPANT. The Employee's Compensation only
        for the portion of the Plan Year in which the Employee actually is a
        Participant.

MODIFICATIONS TO COMPENSATION DEFINITION. The Employer elects to modify the
Compensation definition elected in (a), (b) or (c) as follows. (Choose one or
more of (f) through (l) as applicable. If Employer elects to allocate its
nonelective contribution under Plan Section 3.04 using permitted disparity, (i),
(j), or (k) do not apply):

[ ]     (f) FRINGE BENEFITS. The Plan excludes all reimbursements or other
        expense allowances, fringe benefits (cash and noncash), moving expenses,
        deferred compensation and welfare benefits.

[ ]     (g) ELECTIVE CONTRIBUTIONS. The Plan excludes a Participant's Elective
        Contributions. See Plan Section 1.07(D).

[ ]     (h) EXCLUSION. The Plan excludes Compensation in excess of: _____

[ ]     (i) BONUSES. The Plan excludes bonuses.

[ ]     (j) OVERTIME. The Plan excludes overtime.

[ ]     (k) COMMISSIONS. The Plan excludes commissions.

[ ]     (l) OTHER: _____.

5.      PLAN YEAR/LIMITATION YEAR (1.24). Plan Year and Limitation Year mean the
12-consecutive month period (except for a short Plan Year) ending every: (Choose
one of (a) or (b). Choose (c) if applicable)

[X]     (a) DECEMBER 31.

[ ]     (b) OTHER: _____.

[ ]     (c) SHORT PLAN YEAR: commencing on: _____ and ending on: _____.

6.      EFFECTIVE DATE (1.10). The Employer's adoption of the Plan is a:
(Choose one of (a) or (b))

[ ]     (a) NEW PLAN. The Effective Date of the Plan is: _____.

[X]     (b) RESTATED PLAN. The restated Effective Date is: January 1, 1997.
        This Plan is an amendment and restatement of an existing retirement
        plan(s) originally established effective as of: January 1, 1989.

7.      HOUR OF SERVICE/ELAPSED TIME METHOD (1.15). The crediting method for
Hours of Service is: (Choose one or more of (a) through (d) as applicable)

[X]     (a) ACTUAL METHOD. See Plan Section 1.15(B).

[ ]     (b) EQUIVALENCY METHOD. The Equivalency Method is: _____.
        [Note: Insert "daily," "weekly," "semi-monthly payroll periods" or
        "monthly".] See Plan Section 1.15(C).

[ ]     (c) COMBINATION METHOD. In lieu of the Equivalency Method specified in
        (b), the Actual Method applies for purposes of: _____.

(C) Copyright 2001 DailyAccess.Com, Inc.

                                        2

<PAGE>

NONSTANDARDIZED 401(k) PROFIT SHARING PLAN: COLUMBIA BANCORP 401(k) PLAN & Trust

[X]     (d) ELAPSED TIME METHOD. In lieu of crediting Hours of Service, the
        Elapsed Time Method applies for purposes of crediting Service for:
        (Choose one or more of (1) and (2) as applicable)

    [ ]     (1) Eligibility under Article II.

    [X]     (2) Vesting under Article V.

8.      PREDECESSOR EMPLOYER SERVICE (1.30). In addition to the predecessor
service the Plan must credit by reason of Section 1.30 of the Plan, the Plan
credits as Service under this Plan service with the following predecessor
employer(s): Suburban Bancshares and Suburban Bank of Maryland.
[Note: If the Plan does not credit any additional predecessor service under this
Section 1.30, insert "N/A" in the blank line. The Employer also may elect to
credit predecessor service with specified Participating Employers only. See the
Participation Agreement.] Service with the designated predecessor employer(s)
applies: (Choose one or more of (a) through (c) as applicable)

[X]     (a) ELIGIBILITY. For eligibility under Article II. See Plan Section 1.30
        for time of Plan entry.

[X]     (b) VESTING. For vesting under Article V.

[ ]     (c) EXCEPTIONS. Except for the following Service: _____.

                                   ARTICLE II
                            ELIGIBILITY REQUIREMENTS

9.      ELIGIBILITY (2.01).

ELIGIBILITY CONDITIONS. To become a Participant in the Plan, an Employee must
satisfy the following eligibility conditions: (Choose one or more of (a) through
(e) as applicable) [Note: If the Employer does not elect (c), the Employer's
elections under (a) and (b) apply to all types of contributions. The Employer as
to deferral contributions may not elect (b)(2) and may not elect more than 12
months in (b)(4) and (b)(5).]

[ ]     (a) AGE. Attainment of age ___________ (not to exceed age 21).

[X]     (b) SERVICE. Service requirement. (Choose one of (1) through (5))

    [X]     (1) One Year of Service.

    [ ]     (2) Two Years of Service, without an intervening Break in Service.
            See Plan Section 2.03(A).

    [ ]     (3) One Hour of Service (immediate completion of Service
            requirement). The Employee satisfies the Service requirement on
            his/her Employment Commencement Date.

    [ ]     (4) _____ months (not exceeding 24).

    [ ]     (5) An Employee must complete _____ Hours of Service within the
            _____ time period following the Employee's Employment Commencement
            Date. If an Employee does not complete the stated Hours of Service
            during the specified time period (if any), the Employee is subject
            to the One Year of Service requirement. [Note: The number of hours
            may not exceed 1,000 and the time period may not exceed 24 months.
            If the Plan does not require the Employee to satisfy the Hours of
            Service requirement within a specified time period, insert "N/A" in
            the second blank line.]

[X}     (c) ALTERNATIVE 401(k)/401(m) ELIGIBILITY CONDITIONS. In lieu of
        the elections in (a) and (b), the Employer elects the following
        eligibility conditions for the following types of contributions: (Choose
        (1) or (2) or both if the Employer wishes to impose less restrictive
        eligibility conditions for deferral/Employee contributions or for
        matching contributions)

            (1) [X] DEFERRAL/EMPLOYEE CONTRIBUTIONS: (Choose one of a. through
                    d. Choose e. if applicable)

                 a. [ ] One Year of Service
                 b. [X} One Hour of Service (immediate completion of Service
                         requirement)
                 c. [ ] _____ months (not exceeding 12)
                 d. [ ] An Employee must complete _____ Hours of Service within
                        the _____ time period following an Employee's Employment
                        Commencement Date. If an Employee does not complete the
                        stated Hours of Service during the specified time period
                        (if any), the Employee is subject to the One

(C) Copyright 2001 DailyAccess.Com, Inc.

                                        3

<PAGE>

NONSTANDARDIZED 401(k) PROFIT SHARING PLAN: COLUMBIA BANCORP 401(k) PLAN & TRUST

                        Year of Service requirement. [Note: The number of hours
                        may not exceed 1,000 and the time period may not exceed
                        12 months. If the Plan does not require the Employee to
                        satisfy the Hours of Service requirement within a
                        specified time period, insert "N/A" in the second blank
                        line.]
                 e. [ ] Age _____ (not exceeding age 21)

            (2) [X] MATCHING CONTRIBUTIONS: (Choose one of f. through i. Choose
                    j. if applicable)

                f.  [X] One Year of Service
                g.  [ ] One Hour of Service (immediate completion of Service
                        requirement)
                h.  [ ] _____ months (not exceeding 24)
                i.  [ ] An Employee must complete _____ Hours of Service within
                        the _____ time period following an Employee's Employment
                        Commencement Date. If an Employee does not complete the
                        stated Hours of Service during the specified time period
                        (if any), the Employee is subject to the One Year of
                        Service requirement. [Note: The number of hours may not
                        exceed 1,000 and the time period may not exceed 24
                        months. If the Plan does not require the Employee to
                        satisfy the Hours of Service requirement within a
                        specified time period, insert "N/A" in the second blank
                        line.]
                j.  [ ] Age (not exceeding age 21)

[ ]     (d) DUAL ELIGIBILITY. The eligibility conditions of this Section 2.01
        apply solely to an Employee employed by the Employer after _____. If the
        Employee was employed by the Employer by the specified date, the
        Employee will become a Participant on the latest of: (i) the Effective
        Date; (ii) the restated Effective Date; (iii) the Employee's
        Employment Commencement Date; or (iv) on the date the Employee attains
        age _____ (not exceeding age 21).

PLAN ENTRY DATE. "Plan Entry Date" means the Effective Date and:

[ ]     (e) SEMI-ANNUAL ENTRY DATES. The first day of the Plan Year and the
        first day of the seventh month of the Plan Year.

[ ]     (f) THE FIRST DAY OF THE PLAN YEAR.

[ ]     (g) EMPLOYMENT COMMENCEMENT DATE (immediate eligibility).

[X]     (h) THE FIRST DAY OF EACH: Payroll Period (e.g., "Plan Year quarter").

[ ]     (i) THE FOLLOWING PLAN ENTRY DATES: _____.

TIME OF PARTICIPATION. An Employee will become a Participant, unless excluded
under Section 1.11, on the Plan Entry Date (if employed on that date):

[X]     (j) IMMEDIATELY FOLLOWING OR COINCIDENT WITH

[ ]     (k) IMMEDIATELY PRECEDING OR COINCIDENT WITH

[ ]     (l) NEAREST

the date the Employee completes the eligibility conditions described in this
Section 2.01. [Note: Unless otherwise excluded under Section 1.11, an Employee
must become a Participant by the earlier of: (1) the first day of the Plan Year
beginning after the date the Employee completes the age and service requirements
of Code Section 410(a); or (2) 6 months after the date the Employee completes
those requirements.]

10.     YEAR OF SERVICE - ELIGIBILITY (2.02). (Choose (a) and (b) as applicable)
[Note: If the Employer does not elect a Year of Service condition or elects the
Elapsed Time Method, the Employer should not complete (a) or (b).]

[X]     (a) YEAR OF SERVICE. An Employee must complete 1000 Hour(s) of Service
        during an eligibility computation period to receive credit for a Year
        of Service under Article II: [Note: The number may not exceed 1,000.
        If left blank, the requirement is 1,000.]

[X]     (b) ELIGIBILITY COMPUTATION PERIOD. After the initial eligibility
        computation period described in Plan Section 2.02, the Plan measures
        the eligibility computation period as: (Choose one of (1) or (2))

    [X]     (1) The Plan Year beginning with the Plan Year which includes the
            first anniversary of the Employee's Employment Commencement Date.

    [ ]     (2) The 12-consecutive month period beginning with each anniversary
            of the Employee's Employment Commencement Date.

(C) Copyright 2001 DailyAccess.Com, Inc.

                                        4

<PAGE>

NONSTANDARDIZED 401(k) PROFIT SHARING PLAN: COLUMBIA BANCORP 401(k) PLAN & TRUST

11.     PARTICIPATION - BREAK IN SERVICE (2.03). The one year hold-out rule
described in Plan Section 2.03(B): (Choose one of (a), (b) or (c))

[X]     (a) NOT APPLICABLE. Does not apply to the Plan.

[ ]     (b) APPLICABLE. Applies to the Plan and to all Participants.

[ ]     (c) LIMITED APPLICATION. Applies to the Plan, but only to a Participant
        who has incurred a Separation from Service.

12.     ELECTION NOT TO PARTICIPATE (2.06). The Plan: (Choose one of (a) or (b))

[ ]     (a) ELECTION NOT PERMITTED. Does not permit an eligible Employee to
        elect not to participate.

[x]     (b) IRREVOCABLE ELECTION. Permits an Employee to elect not to
        participate if the Employee makes a one-time irrevocable election prior
        to the Employee's Plan Entry Date.

                                   ARTICLE III
         EMPLOYER CONTRIBUTIONS, DEFERRAL CONTRIBUTIONS AND FORFEITURES

13.     AMOUNT AND TYPE (3.01). The amount and type(s) of the Employer's
contribution to the Trust for a Plan Year or other specified  period will equal:
(Choose one or more of (a) through (e) as applicable)

[X]     (a) DEFERRAL CONTRIBUTIONS (401(k) ARRANGEMENT). The dollar or
        percentage amount by which each Participant has elected to reduce
        his/her Compensation, as provided in the Participant's salary reduction
        agreement and in accordance with Section 3.02.

[X]     (b) MATCHING CONTRIBUTIONS (OTHER THAN SAFE HARBOR MATCHING
        CONTRIBUTIONS UNDER SECTION 3.01(d)). The matching contributions made
        in accordance with Section 3.03.

[X]     (c) NONELECTIVE CONTRIBUTIONS (PROFIT SHARING). The following
        nonelective contribution: (Choose (1) or (2) or both as applicable)
        [Note: The Employer may designate as a qualified nonelective
        contribution, all or any portion of its nonelective contribution. See
        Plan Section 3.04(F).]

    [X]     (1) DISCRETIONARY. An amount the Employer in its sole discretion may
                determine.

    [X]     (2) FIXED. The following amount: _____

[ ]     (d) 401(k) SAFE HARBOR CONTRIBUTIONS. The following 401(k) safe harbor
        contributions described in Plan Section 14.02(D): (Choose one of (1),
        (2) or (3). Choose (4), if applicable)

    [ ]     (1) SAFE HARBOR NONELECTIVE CONTRIBUTION. The safe harbor
            nonelective contribution equals _____% of a Participant's
            Compensation [Note: the amount in the blank must be at least 3%.].

    [ ]     (2) BASIC SAFE HARBOR MATCHING CONTRIBUTION. A matching contribution
            equal to 100% of each Participant's deferral contributions not
            exceeding 3% of the Participant's Compensation, plus 50% of each
            Participant's deferral contributions in excess of 3% but not in
            excess of 5% of the Participant's Compensation. For this purpose,
            "Compensation" means Compensation for: _____. [Note: The Employer
            must complete the blank line with the applicable time period for
            computing the Employer's basic safe harbor match, such as "each
            payroll period," "each month," "each Plan Year quarter" or "the Plan
            Year".]

    [ ]     (3) ENHANCED SAFE HARBOR MATCHING CONTRIBUTION. (Choose one of a.
            or b.)

        [ ]     a. UNIFORM PERCENTAGE. An amount equal to _____% of each
                Participant's deferral contributions not exceeding _____% of the
                Participant's Compensation. For this purpose, "Compensation"
                means Compensation for:_____
                [See the Note in (d)(2).]

        [ ]     b. TIERED FORMULA. An amount equal to the specified matching
                percentage for the corresponding level of each Participant's
                deferral contribution percentage. For this purpose,
                "Compensation" means Compensation for: _____.
                [See the Note in (d)(2).]

(C) Copyright 2001 DailyAccess.Com, Inc.

                                        5

<PAGE>

NONSTANDARDIZED 401(k) PROFIT SHARING PLAN: COLUMBIA BANCORP 401(k) PLAN & TRUST

         Deferral Contribution Percentage              Matching Percentage
         --------------------------------              -------------------
                     _____%                                   _____%

                     _____%                                   _____%

                     _____%                                   _____%

[Note: The matching percentage may not increase as the deferral contribution
percentage increases and the enhanced matching formula otherwise must satisfy
the requirements of Code Sections 401(k)(12)(B)(ii) and (iii). If the Employer
wishes to avoid ACP testing on its enhanced safe harbor matching contribution,
the Employer also must limit deferral contributions taken into account (the
"Deferral Contribution Percentage") for the matching contribution to 6% of Plan
Year Compensation.]

    [ ]     (4) ANOTHER PLAN. The Employer will satisfy the 401(k) safe harbor
            contribution in the following plan: _____.

[ ]     (e) FROZEN PLAN. This Plan is a frozen Plan effective: _____.
        For any period following the specified date, the Employer will not
        contribute to the Plan, a Participant may not contribute and an
        otherwise eligible Employee will not become a Participant in the Plan.

14.     DEFERRAL CONTRIBUTIONS (3.02). The following limitations and terms apply
to an Employee's deferral contributions. (If the Employer elects Section
3.01(a), the Employer must elect (a). Choose (b) or (c) as applicable)

[X]     (a) LIMITATION ON AMOUNT. An Employee's deferral contributions are
        subject to the following limitation(s) in addition to those imposed by
        the Code: (Choose (1), (2) or (3) as applicable)

    [X]     (1) Maximum deferral amount: Maximum allowed by law.

    [X]     (2) Minimum deferral amount: 1% of compensation.

    [ ]     (3) No limitations.

For the Plan Year in which an Employee first becomes a Participant, the Plan
Administrator will apply any percentage limitation the Employer elects in (1) or
(2) to the Employee's Compensation: (Choose one of (4) or (5) unless the
Employer elects (3))

    [ ]     (4) Only for the portion of the Plan Year in which the Employee
            actually is a Participant.

    [X]     (5) For the entire Plan Year.

[ ]     (b) NEGATIVE DEFERRAL ELECTION. The Employer will withhold _____% from
        the Participant's Compensation unless the Participant elects a lesser
        percentage (including zero) under his/her salary reduction agreement.
        See Plan Section 14.02(C). The negative election will apply to:
        (Choose one of (1) or (2))

    [ ]     (1) All Participants who have not deferred at least the automatic
            deferral amount as of: _____.

    [ ]     (2) Each Employee whose Plan Entry Date is on or following the
            negative election effective date.

[ ]     (c) CASH OR  DEFERRED  CONTRIBUTIONS.  For each Plan Year for which the
        Employer makes a designated cash or deferred contribution under Plan
        Section 14.02(B), a Participant may elect to receive directly in cash
        not more than the following portion (or, if less, the 402(g) limitation)
        of his/her proportionate share of that cash or deferred contribution:
        (Choose one of (1) or (2))

    [ ]     (1) All or any portion.                     [ ]     (2) _____%.

MODIFICATION/REVOCATION OF SALARY REDUCTION AGREEMENT. A Participant
prospectively may modify or revoke a salary reduction agreement, or may file a
new salary reduction agreement following a prior revocation, at least once per
Plan Year or during any election period specified by the basic plan document or
required by the Internal Revenue Service. The Plan Administrator also may
provide for more frequent elections in the Plan's salary reduction agreement
form.

15.     MATCHING CONTRIBUTIONS (INCLUDING ADDITIONAL SAFE HARBOR MATCH UNDER
PLAN SECTION 14.02(D)(3)) (3.03). The Employer matching contribution is: (If the
Employer elects Section 3.01(b), the Employer must elect one or more of (a), (b)
or (c) as applicable. Choose (d) if applicable)

[ ]     (a) FIXED FORMULA. An amount equal to _____% of each Participant's
        deferral contributions.

[X]     (b) DISCRETIONARY FORMULA. An amount (or additional amount) equal to a
        matching percentage the Employer from time to time may deem advisable of
        the Participant's deferral contributions. The Employer, in its sole
        discretion, may designate as a qualified matching contribution, all or
        any portion of its discretionary matching contribution. The portion

(C) Copyright 2001 DailyAccess.Com, Inc.

                                        6

<PAGE>

NONSTANDARDIZED 401(k) PROFIT SHARING PLAN: COLUMBIA BANCORP 401(k) PLAN & TRUST

        of the Employer's discretionary matching contribution for a Plan Year
        not designated as a qualified matching contribution is a regular
        matching contribution.

[ ]     (c) MULTIPLE LEVEL FORMULA. An amount equal to the following percentages
        for each level of the Participant's deferral contributions. [Note: The
        matching percentage only will apply to deferral contributions in excess
        of the previous level and not in excess of the stated deferral
        contribution percentage.]

          Deferral Contributions                          Matching Percentage
          ----------------------                          -------------------

                 _____                                          _____%

                 _____                                          _____%

                 _____                                          _____%

[ ]     (d) RELATED EMPLOYERS. If two or more Related Employers contribute to
        this Plan, the Plan Administrator will allocate matching contributions
        and matching contribution forfeitures only to the Participants directly
        employed by the contributing Employer. The matching contribution formula
        for the other Related Employer(s) is: _____ [Note: If the Employer does
        not elect (d), the Plan Administrator will allocate all matching
        contributions and matching forfeitures without regard to which
        contributing Related Employer directly employs the Participant.]

TIME PERIOD FOR MATCHING CONTRIBUTIONS. The Employer will determine its matching
contribution based on deferral contributions made during each: (Choose one of
(e) through (h))

[ ]     (e) PLAN YEAR.

[ ]     (f) PLAN YEAR QUARTER.

[X]     (g) PAYROLL PERIOD.

[ ]     (h) ALTERNATIVE TIME PERIOD: _____. [Note: Any alternative time period
        the Employer elects in (h) must be the same for all Participants and may
        not exceed the Plan Year.]

DEFERRAL CONTRIBUTIONS TAKEN INTO ACCOUNT. In determining a Participant's
deferral contributions taken into account for the above-specified time period
under the matching contribution formula, the following limitations apply:
(Choose one of (i), (j) or (k))

[ ]     (i) ALL DEFERRAL CONTRIBUTIONS. The Plan Administrator will take into
        account all deferral contributions.

[ ]     (j) SPECIFIC LIMITATION. The Plan Administrator will disregard deferral
        contributions exceeding _____ % of the Participant's Compensation.
        [Note: To avoid the ACP test in a safe harbor 401(k) plan, the Employer
        must limit deferrals and Employee contributions which are subject to
        match to 6% of Plan Year Compensation.]

[X]     (k) DISCRETIONARY. The Plan Administrator will take into account the
        deferral contributions as a percentage of the Participant's Compensation
        as the Employer determines.

OTHER MATCHING CONTRIBUTION REQUIREMENTS. The matching contribution formula is
subject to the following additional requirements: (Choose (l) or (m) or both if
applicable)

[ ]     (l) MATCHING CONTRIBUTION LIMITS. A Participant's matching contributions
        may not exceed: (Choose one of (1) or (2))

    [ ]     (1) _____. [Note: The Employer may elect (1) to place an overall
            dollar or percentage limit on matching contributions.]

    [ ]     (2) 4% of a Participant's Compensation for the Plan Year under the
            discretionary matching contribution formula. [Note: The Employer
            must elect (2) if it elects a discretionary matching formula with
            the safe harbor 401(k) contribution formula and wishes to avoid the
            ACP test.]

[ ]     (m) QUALIFIED MATCHING CONTRIBUTIONS. The Plan Administrator will
        allocate as qualified matching contributions, the matching contributions
        specified in Adoption Agreement Section: _____. The Plan Administrator
        will allocate all other matching contributions as regular matching
        contributions. [Note: If the Employer elects two matching formulas,
        the Employer may use (m) to designate one of the formulas as a qualified
        matching contribution.]

(C) Copyright 2001 DailyAccess.Com, Inc.

                                        7

<PAGE>

NONSTANDARDIZED 401(K) PROFIT SHARING PLAN: COLUMBIA BANCORP 401(K) PLAN & Trust

16.     CONTRIBUTION ALLOCATION (3.04).

EMPLOYER NONELECTIVE CONTRIBUTIONS (3.04(A)). The Plan Administrator will
allocate the Employer's nonelective contribution under the following
contribution allocation formula: (Choose one of (a) or (b). Choose (c) if
applicable)

[X]     (a) NONINTEGRATED (PRO RATA) ALLOCATION FORMULA.

[ ]     (b) PERMITTED DISPARITY. The following permitted disparity formula and
        definitions apply to the Plan: (Choose one of
        (1) or (2). Also choose (3))

    [ ]     (1) Two-tiered allocation formula.

    [ ]     (2) Four-tiered allocation formula.

    [ ]     (3) For purposes of Section 3.04(b), "Excess Compensation" means
            Compensation in excess of: (Choose one of a. or b.)

        [ ]     a. _____% of the taxable wage base in effect on the first day
                of the Plan Year, rounded to the next highest

        [ ]     $ ______ (not exceeding the taxable wage base).

        [ ]     b. The following integration level: _____.
                [Note: The integration level cannot exceed the taxable wage base
                in effect for the Plan Year for which this Adoption Agreement
                first is effective.]

[ ]     (c) INCORPORATION OF CONTRIBUTION FORMULA. The Plan Administrator will
        allocate the Employer's nonelective contribution under Section(s)
        3.01(c)(2), (d)(1) or (e) in accordance with the contribution formula
        adopted by the Employer under that Section.

QUALIFIED NONELECTIVE CONTRIBUTIONS. (3.04(F)). The Plan Administrator will
allocate the Employer's qualified nonelective contributions to: (Choose one of
(d) or (e))

[X]     (d) NONHIGHLY COMPENSATED EMPLOYEES ONLY.

[ ]     (e) ALL PARTICIPANTS.

RELATED EMPLOYERS. (Choose (f) if applicable)

[ ]     (f) ALLOCATE ONLY TO DIRECTLY EMPLOYED PARTICIPANTS. If two or more
        Related Employers adopt this Plan, the Plan Administrator will allocate
        all nonelective contributions and forfeitures attributable to
        nonelective contributions only to the Participants directly employed by
        the contributing Employer. If a Participant receives Compensation from
        more than one contributing Employer, the Plan Administrator will
        determine the allocations under this Section 3.04 by prorating the
        Participant's Compensation between or among the participating Related
        Employers. [Note: If the Employer does not elect this option, the Plan
        Administrator will allocate all nonelective contributions and
        forfeitures without regard to which contributing Related Employer
        directly employs the Participant. The Employer may not elect this option
        under a safe harbor 401(k) Plan.]

17.     FORFEITURE ALLOCATION (3.05). The Plan Administrator will allocate a
Participant forfeiture: (Choose one or more of (a), (b) or (c) as applicable)
[Note: Even if the Employer elects immediate vesting, the Employer should
complete Section 3.05. See Plan Section 9.11.]

[X]     (a) MATCHING CONTRIBUTION FORFEITURES. To the extent attributable to
        matching contributions: (Choose one of (1) through (4))

    [X]     (1) As a discretionary matching contribution.

    [ ]     (2) To reduce matching contributions.

    [ ]     (3) As a discretionary nonelective contribution.

    [ ]     (4) To reduce nonelective contributions.

(C) Copyright 2001 DailyAccess.Com, Inc.

                                        8

<PAGE>

NONSTANDARDIZED 401(k) PROFIT SHARING PLAN: COLUMBIA BANCORP 401(k) PLAN & TRUST

[X]     (b) NONELECTIVE CONTRIBUTION FORFEITURES. To the extent attributable to
        Employer nonelective contributions: (Choose one of (1) through (4))

    [ ]     (1) As a discretionary nonelective contribution.

    [ ]     (2) To reduce nonelective contributions.

    [X]     (3) As a discretionary matching contribution.

    [ ]     (4) To reduce matching contributions.

[ ]     (c) REDUCE ADMINISTRATIVE EXPENSES. First to reduce the Plan's ordinary
        and necessary administrative expenses for the Plan Year and then
        allocate any remaining forfeitures in the manner described in Sections
        3.05(a) or (b), as applicable.

TIMING OF FORFEITURE ALLOCATION. The Plan Administrator will allocate
forfeitures under Section 3.05 in the Plan Year: (Choose one of (d) or (e))

[X]     (d) In which the forfeiture occurs.

[ ]     (e) Immediately following the Plan Year in which the forfeiture occurs.

18.     ALLOCATION CONDITIONS (3.06).

ALLOCATION CONDITIONS. The Plan does not apply any allocation conditions to
deferral contributions, 401(k) safe harbor contributions (under Section 3.01(d))
or to Davis-Bacon contributions (except as the Davis-Bacon contract provides).
To receive an allocation of matching contributions, nonelective contributions,
qualified nonelective contributions or Participant forfeitures, a Participant
must satisfy the following allocation condition(s): (Choose one or more of (a)
through (h) as applicable)

[X]     (a) HOURS OF SERVICE CONDITION. The Participant must complete at least
        the specified number of Hours of Service (not exceeding 1,000) during
        the Plan Year: 1000.

[X]     (b) EMPLOYMENT CONDITION. The Participant must be employed by the
        Employer on the last day of the Plan Year (designate time period).

[ ]     (c) NO ALLOCATION CONDITIONS.

[ ]     (d) TERMINATION OF SERVICE/501 HOURS OF SERVICE COVERAGE RULE. The
        Participant either must be employed by the Employer on the last day of
        the Plan Year or must complete at least 501 Hours of Service during the
        Plan Year. If the Plan uses the Elapsed Time Method of crediting
        Service, the Participant must complete at least 91 consecutive calendar
        days of employment with the Employer during the Plan Year.

[ ]     (e) SPECIAL ALLOCATION CONDITIONS FOR MATCHING CONTRIBUTIONS. The
        Participant must complete at least __________ Hours of Service during
        the __________ (designate time period) for the matching contributions
        made for that time period.

[X]     (f) DEATH, DISABILITY OR NORMAL RETIREMENT AGE. Any condition specified
        in Section 3.06 (a) and (b) applies if the Participant incurs a
        Separation from Service during the Plan Year on account of: normal or
        late retirement, disability or death (e.g., death, Disability or Normal
        Retirement Age).

[X]     (g) SUSPENSION OF ALLOCATION CONDITIONS FOR COVERAGE. The suspension of
        allocation conditions of Plan Section 3.06(E) applies to the Plan.

[X]     (h) LIMITED ALLOCATION CONDITIONS. The Plan does not impose an
        allocation condition for the following types of contributions: Employer
        Matching only (this exception does not apply to forfeitures allocated as
        employer match).
        [Note: Any election to limit the Plan's allocation conditions to certain
        contributions must be the same for all Participants, be definitely
        determinable and not discriminate in favor of Highly Compensated
        Employees.]

(C) Copyright 2001 DailyAccess.Com, Inc.

                                        9

<PAGE>

NONSTANDARDIZED 401(k) PROFIT SHARING PLAN: COLUMBIA BANCORP 401(k) PLAN & TRUST

                                   ARTICLE IV
                            PARTICIPANT CONTRIBUTIONS

19.     EMPLOYEE (AFTER TAX) CONTRIBUTIONS (4.02). The following elections apply
to Employee contributions. (Choose one of (a) or (b). Choose (c) if applicable)

[X]     (a) NOT PERMITTED. The Plan does not permit Employee contributions.

[ ]     (b) PERMITTED. The Plan permits Employee contributions subject to the
        following limitations: _____.
        [Note: Any designated limitation(s) must be the same for all
        Participants, be definitely determinable and not discriminate in favor
        of Highly Compensated Employees.]

[ ]     (c) MATCHING CONTRIBUTION. For each Plan Year, the Employer's matching
        contribution made with respect to Employee contributions is: _____.

                                    ARTICLE V
                              VESTING REQUIREMENTS

20.     NORMAL/EARLY RETIREMENT AGE (5.01). A Participant attains Normal
Retirement Age (or Early Retirement Age, if applicable) under the Plan on the
following date: (Choose one of (a) or (b). Choose (c) if applicable)

[X]     (a) SPECIFIC AGE. The date the Participant attains age 65. [Note: The
        age may not exceed age 65.]

[ ]     (b) AGE/PARTICIPATION. The later of the date the Participant attains
        _____ years of age or the _____ anniversary of the first day of the Plan
        Year in which the Participant commenced participation in the Plan.
        [Note: The age may not exceed age 65 and the anniversary may not exceed
        the 5th.]

[ ]     (c) EARLY RETIREMENT AGE. Early Retirement Age is the later of: (i) the
        date a Participant attains age _____ or (ii) the date a Participant
        reaches his/her anniversary of the first day of the Plan Year in which
        the Participant commenced participation in the Plan.

21.     PARTICIPANT'S DEATH OR DISABILITY (5.02). The 100% vesting rule under
Plan Section 5.02 does not apply to: (Choose (a) or (b) or both as applicable)

[ ]     (a) DEATH.

[ ]     (b) DISABILITY.

22.     VESTING SCHEDULE (5.03). A Participant has a 100% Vested interest at all
times in his/her deferral contributions, qualified nonelective contributions,
qualified matching contributions and 401(k) safe harbor contributions. The
following vesting schedule applies to Employer regular matching contributions
and to Employer nonelective contributions: (Choose (a) or choose one or more of
(b) through (f) as applicable)

[ ]     (a) IMMEDIATE VESTING. 100% Vested at all times. [Note: The Employer
        must elect (a) if the Service condition under Section 2.01 exceeds One
        Year of Service or more than twelve months.]

(C) Copyright 2001 DailyAccess.Com, Inc.

                                       10

<PAGE>

NONSTANDARDIZED 401(k) PROFIT SHARING PLAN: COLUMBIA BANCORP 401(k) PLAN & TRUST

[X]     (b) TOP-HEAVY VESTING SCHEDULES. [Note: The Employer must choose one of
        (b)(1), (2) or (3) if it does not elect (a).]

    [ ]     (1) 6-year graded as specified in the Plan.

    [ ]     (2) 3-year cliff as specified in the Plan.

    [X]     (3) Modified top-heavy schedule

                                        Years of                     Vested
                                        Service                    Percentage
                                        --------                   ----------
                            Less than 1 ....................         a.   0%

                              1 ............................         b.  20%

                              2 ............................         c.  40%

                              3 ............................         d.  60%

                              4 ............................         e.  80%

                              5 ............................         f. 100%

                              6 or more ....................            100%

[ ]     (c) NON-TOP-HEAVY VESTING SCHEDULES. [Note: The Employer may elect one
        of (c)(1), (2) or (3) in addition to (b).]

    [ ]     (1) 7-year graded as specified in the Plan.

    [ ]     (2) 5-year cliff as specified in the Plan.

    [ ]     (3) Modified non-top-heavy schedule

                                       Years of                       Vested
                                       Service                      Percentage
                                       --------                     ----------
                            Less than 1 ....................         a. _____%

                              1 ............................         b. _____%

                              2 ............................         c. _____%

                              3 ............................         d. _____%

                              4 ............................         e. _____%

                              5 ............................         f. _____%

                              6 ............................         g. _____%

                              7 or more ....................             100 %

If the Employer does not elect (c), the vesting schedule elected in (b) applies
to all Plan Years. [Note: The modified top-heavy schedule of (b)(3) must satisfy
Code Section 416. If the Employer elects (c)(3), the modified non-top-heavy
schedule must satisfy Code Section 411(a)(2).]

[ ]     (d) SEPARATE VESTING ELECTION FOR REGULAR MATCHING CONTRIBUTIONS. In
        lieu of the election under (a), (b) or (c), the following vesting
        schedule applies to a Participant's regular matching contributions:
        (Choose one of (1) or (2))

    [ ]     (1) 100% Vested at all times.

    [ ]     (2) Regular matching vesting schedule: _____.
            [Note: The vesting schedule completed under (d)(2) must comply with
            Code Section 411(a)(4).]

[ ]     (e) APPLICATION OF TOP-HEAVY SCHEDULE. The non-top-heavy schedule
        elected under (c) applies in all Plan Years in which the Plan is not a
        top-heavy plan. [Note: If the Employer does not elect (e), the
        top-heavy vesting schedule will apply for the first Plan Year in which
        the Plan is top-heavy and then in all subsequent Plan Years.]

(C) Copyright 2001 DailyAccess.Com, Inc.

                                       11

<PAGE>

NONSTANDARDIZED 401(k) PROFIT SHARING PLAN: COLUMBIA BANCORP 401(k) PLAN & TRUST

        [X] (f)     SPECIAL VESTING PROVISIONS: All accounts shall become 100%
vested upon a change in control of the sponsoring employer. A "Change in
Control," as used in this Agreement, shall be deemed to have occurred when:

                    (i) Any person (as such term is used in Sections 13(d) and
            14(d) of the Securities Exchange Act of 1934, as amended, and the
            regulations promulgated thereunder) is or becomes the beneficial
            owner, directly or indirectly, of 25% or more of the voting equity
            stock of the Corporation, or any person (as such term is used in
            Sections 13(d) and 14(d) of the Securities Exchange Act of 1934, as
            amended, and the regulations promulgated thereunder) other than the
            Corporation is or becomes the beneficial owner, directly or
            indirectly, of 25% or more of the Common Stock of the Bank; or

                    (ii) Any person (as such term is used in Sections 13(d) and
            14(d) of the Securities Exchange Act of 1934, as amended, and the
            regulations promulgated thereunder) gains control of the election of
            a majority of the Board of Directors of the Corporation, or any
            person (as such term is used in Sections 13(d) and 14(d) of the
            Securities Exchange Act of 1934, as amended, and the regulations
            promulgated thereunder) other than the Corporation gains control of
            the election of a majority of the Board of Directors of the Bank; or

                    (iii) Any person (as such term is used in Sections 13(d) and
            14(d) of the Securities Exchange Act of 1934, as amended, and the
            regulations promulgated thereunder) gains control of the management
            or policies of either of the Companies; or

                    (iv) either of the Companies consolidates with, or merges
            with or into, another entity (including a corporation, bank,
            partnership, trust, association, joint venture, pool, syndicate,
            sole proprietorship, unincorporated organization or any other form
            of entity not specifically listed herein) or sells, assigns,
            conveys, transfers, leases or otherwise disposes of all or
            substantially all of its assets, or another such entity consolidates
            with, or merges with or into, such Company, in any such event
            pursuant to a transaction in which the issued and outstanding shares
            of the voting equity stock of such Company are converted into or
            exchanged for cash, securities or other property; or

                    (v) during any consecutive two-year period, individuals who
            at the beginning of such period constituted the Board of Directors
            of either Company (together with any directors who are members of
            the Board of Directors on the date hereof and any new directors
            whose election by such Board of Directors or whose nomination for
            election by the stockholders of such Company was approved by a vote
            of 66-2/3% of the directors then still in office who were either
            directors at the beginning of such period of whose election or
            nomination for election was previously so approved) cease for any
            reason to constitute a majority of the Board of Directors of such
            Company then in office.

            A "Change in Control Period" shall mean the period commencing 90
            days before a Change in Control and ending 365 days after such
            Change in Control.

        [Note: Any special vesting provision must satisfy Code Section 411(a).
        Any special vesting provision must be definitely determinable, not
        discriminate in favor of Highly Compensated Employees and not violate
        Code Section 401(a)(4).]

23.     YEAR OF SERVICE - VESTING (5.06). (Choose (a) and (b)) [Note: If the
Employer elects the Elapsed Time Method or elects immediate vesting, the
Employer should not complete (a) or (b).]

[ ]     (a) YEAR OF SERVICE. An Employee must complete at least _____ Hours of
        Service during a vesting computation period to receive credit for a Year
        of Service under Article V. [Note: The number may not exceed 1,000. If
        left blank, the requirement is 1,000.]

[ ]     (b) VESTING COMPUTATION PERIOD. The Plan measures a Year of Service on
        the basis of the following 12-consecutive month period: (Choose one of
        (1) or (2))

    [ ]     (1) Plan Year.

    [ ]     (2) Employment year (anniversary of Employment Commencement Date).

24.     EXCLUDED YEARS OF SERVICE - VESTING (5.08). The Plan excludes the
following Years of Service for purposes of vesting: (Choose (a) or choose one or
more of (b) through (f) as applicable)

[X]     (a) NONE. None other than as specified in Plan Section 5.08(a).

[ ]     (b) AGE 18. Any Year of Service before the Year of Service during which
the Participant attained the age of 18.

(C) Copyright 2001 DailyAccess.Com, Inc.

                                       12

<PAGE>

NONSTANDARDIZED 401(K) PROFIT SHARING PLAN: COLUMBIA BANCORP 401(K) PLAN & Trust

[ ]     (c) PRIOR TO PLAN ESTABLISHMENT. Any Year of Service during the period
        the Employer did not maintain this Plan or a predecessor plan.

[ ]     (d) PARITY BREAK IN SERVICE. Any Year of Service excluded under the rule
        of parity. See Plan Section 5.10.

[ ]     (e) PRIOR PLAN TERMS. Any Year of Service disregarded under the terms of
        the Plan as in effect prior to this restated Plan.

[ ]     (f) ADDITIONAL EXCLUSIONS. Any Year of Service before: _____.
        [Note: Any exclusion specified under (f) must comply with Code Section
        411(a)(4). Any exclusion must be definitely determinable, not
        discriminate in favor of Highly Compensated Employees and not violate
        Code Section 401(a)(4). If the Employer elects immediate vesting, the
        Employer should not complete Section 5.08.]

                                   ARTICLE VI
                         DISTRIBUTION OF ACCOUNT BALANCE

25.     TIME OF PAYMENT OF ACCOUNT BALANCE (6.01). The following time of
distribution elections apply to the Plan:

SEPARATION FROM SERVICE/VESTED ACCOUNT BALANCE NOT EXCEEDING $5,000. Subject to
the limitations of Plan Section 6.01(A)(1), the Trustee will distribute in a
lump sum (regardless of the Employer's election under Section 6.04) a separated
Participant's Vested Account Balance not exceeding $5,000: (Choose one of (a) or
(b))

[X]     (a) IMMEDIATE. As soon as administratively practicable following the
        Participant's Separation from Service.

[ ]     (b) DESIGNATED DISTRIBUTION. As soon as administratively practicable in
        the:_____
        following the Participant's Separation from Service. [Note: The
        designated distribution time must be the same for all Participants, be
        definitely determinable, not discriminate in favor of Highly
        Compensated Employees and not violate Code Section.401(a)(4).]

SEPARATION FROM SERVICE/VESTED ACCOUNT BALANCE EXCEEDING $5,000. A separated
Participant whose Vested Account Balance exceeds $5,000 may elect to commence
distribution of his/her Vested Account Balance no earlier than: (Choose one of
(c) or (d). Choose (e) if applicable)

[X]     (c) IMMEDIATE. As soon as administratively practicable following the
        Participant's Separation from Service.

[ ]     (d) DESIGNATED DISTRIBUTION. As soon as administratively practicable in
        the: _____
        following the Participant's Separation from Service. [Note: The
        designated distribution time must be the same for all Participants, be
        definitely determinable, not discriminate in favor of Highly
        Compensated Employees and not violate Code Section.401(a)(4).]

[ ]     (e) LIMITATION ON PARTICIPANT'S RIGHT TO DELAY DISTRIBUTION. A
        Participant may not elect to delay commencement of distribution of
        his/her Vested Account Balance beyond the later of attainment of age 62
        or Normal Retirement Age. [Note: If the Employer does not elect (j), the
        Plan permits a Participant who has Separated from Service to delay
        distribution until his/her required beginning date. See Plan Section
        6.01(A)(2).]

PARTICIPANT ELECTIONS PRIOR TO SEPARATION FROM SERVICE. A Participant, prior to
Separation from Service may elect any of the following distribution options in
accordance with Plan Section 6.01(C). (Choose (f) or choose one or more of (g)
through (j) as applicable) [Note: If the Employer elects any in-service
distribution option, a Participant may elect to receive one in-service
distribution per Plan Year unless the Plan's in-service distribution form
provides for more frequent in-service distributions.]

[ ]     (f) NONE. A Participant does not have any distribution option prior to
        Separation from Service, except as may be provided under Plan Section
        6.01(C).

[X]     (g) DEFERRAL CONTRIBUTIONS. Distribution of all or any portion (as
        permitted by the Plan) of a Participant's Account Balance attributable
        to deferral contributions if: (Choose one or more of (1), (2) or (3) as
        applicable)

    [X]     (1) HARDSHIP (SAFE HARBOR HARDSHIP RULE). The Participant has
            incurred a hardship in accordance with Plan Sections 6.09 and
            14.11(A).

    [X]     (2) AGE. The Participant has attained age 59 1/2. (Must be at least
            age 59 1/2.)

    [ ]     (3) DISABILITY. The Participant has incurred a Disability.

(C) Copyright 2001 DailyAccess.Com, Inc.

                                       13

<PAGE>

NONSTANDARDIZED 401(K) PROFIT SHARING PLAN: COLUMBIA BANCORP 401(K) PLAN & TRUST

[X]     (h) QUALIFIED NONELECTIVE CONTRIBUTIONS/QUALIFIED MATCHING
        CONTRIBUTIONS/SAFE HARBOR CONTRIBUTIONS. Distribution of all or any
        portion of a Participant's Account Balance attributable to qualified
        nonelective contributions, to qualified matching contributions, or to
        401(k) safe harbor contributions if: (Choose (1) or (2) or both as
        applicable)

    [X]     (1) AGE. The Participant has attained age 59 1/2. (Must be at least
            age 59 1/2.)

    [ ]     (2) DISABILITY. The Participant has incurred a Disability.

[X]     (i) NONELECTIVE CONTRIBUTIONS/REGULAR MATCHING CONTRIBUTIONS.
        Distribution of all or any portion of a Participant's Vested Account
        Balance attributable to nonelective contributions or to regular matching
        contributions if: (Choose one or more of (1) through (5))

    [X]     (1) AGE/SERVICE CONDITIONS. (Choose one or more of a. through d. as
            applicable)

        [X]     a. AGE. The Participant has attained age 59 1/2.

        [ ]     b. TWO-YEAR ALLOCATIONS. The Plan Administrator has allocated
                the contributions to be distributed, for a period of not less
                than _____ Plan Years before the distribution date. [Note: The
                minimum number of years is 2.]

        [ ]     c. FIVE YEARS OF PARTICIPATION. The Participant has participated
                in the Plan for at least_____ Plan Years.[Note: The minimum
                number of years is 5.]

        [ ]     d. VESTED. The Participant is_____ % Vested in his/her Account
                Balance. See Plan Section 5.03(A). [Note:If an Employer makes
                more than one election under Section 6.01(n)(1), a Participant
                must satisfy all conditions before the Participant is eligible
                for the distribution.]

    [ ]     (2) HARDSHIP. The Participant has incurred a hardship in accordance
            with Plan Section 6.09.

    [X]     (3) HARDSHIP (SAFE HARBOR HARDSHIP RULE). The Participant has
            incurred a hardship in accordance with Plan Sections 6.09 and
            14.11(A).

    [ ]     (4) DISABILITY. The Participant has incurred a Disability.

    [X]     (5) DESIGNATED CONDITION. The Participant has satisfied the
            following condition(s): 100% vesting required for hardship.
            [Note: Any designated condition(s) must be the same for all
            Participants, be definitely determinable and not discriminate in
            favor of Highly Compensated Employees.]

[X]     (j) PARTICIPANT CONTRIBUTIONS. Distribution of all or any portion of a
        Participant's Account Balance attributable to the following Participant
        contributions described in Plan Section 4.01: (Choose one of (1), (2) or
        (3))

    [ ]     (1) ALL PARTICIPANT CONTRIBUTIONS.

    [ ]     (2) EMPLOYEE CONTRIBUTIONS ONLY.

    [X]     (3) ROLLOVER CONTRIBUTIONS ONLY.

PARTICIPANT LOAN DEFAULT/OFFSET. See Section 6.08 of the Plan.

26.     DISTRIBUTION METHOD (6.03). A separated Participant whose Vested Account
Balance exceeds $5,000 may elect distribution under one of the following
method(s) of distribution described in Plan Section 6.03: (Choose one or more of
(a) through (d) as applicable)

[X]     (a) LUMP SUM.

[X]     (b) INSTALLMENTS.

[X]     (c) INSTALLMENTS FOR REQUIRED MINIMUM DISTRIBUTIONS ONLY.

[X]     (d) ANNUITY DISTRIBUTION OPTION(S): Joint and 50%, 75% or 100% survivor
        annuity.
        [Note: Any optional method of distribution may not be subject to
        Employer, Plan Administrator or Trustee discretion.]

(C) Copyright 2001 DailyAccess.Com, Inc.

                                       14

<PAGE>

NONSTANDARDIZED 401(K) PROFIT SHARING PLAN: COLUMBIA BANCORP 401(K) PLAN & TRUST

27.     JOINT AND SURVIVOR ANNUITY REQUIREMENTS (6.04). The joint and survivor
annuity distribution requirements of Plan Section 6.04: (Choose one of (a) or
(b))

[X]     (a) PROFIT SHARING PLAN EXCEPTION. Do not apply to a Participant, unless
        the Participant is a Participant described in Section 6.04(H) of the
        Plan.

[ ]     (b) APPLICABLE. Apply to all Participants.

                                   ARTICLE IX
       PLAN ADMINISTRATOR - DUTIES WITH RESPECT TO PARTICIPANTS' ACCOUNTS

28.     ALLOCATION OF NET INCOME, GAIN OR LOSS (9.08). For each type of
contribution provided under the Plan, the Plan allocates net income, gain or
loss using the following method: (Choose one or more of (a) through (c) as
applicable)

[X]     (a) DAILY VALUATION METHOD. Allocate on each business day of the Plan
        Year during which Plan assets for which there is an established market
        are valued and the Trustee is conducting business.

[ ]     (b) INDIVIDUAL ACCOUNT METHOD. Allocate using the individual account
        method. See Plan Section 9.08.

[ ]     (c) SPECIFIED METHOD. Allocate pursuant to the following method:_____.
        [Note: The specified method must be a definite predetermined formula
        which is not based on Compensation, which satisfies the
        nondiscrimination requirements of Treas. Reg.section.1.401(a)(4) and
        which is applied uniformly to all Participants.]

                                    ARTICLE X
                    TRUSTEE AND CUSTODIAN, POWERS AND DUTIES

29.     INVESTMENT POWERS (10.03). The following additional investment options
or limitations apply under Plan Section 10.03: Employer matching and nonelective
contributions made prior to January 1, 1995 may be, subject to the terms of
ERISA, invested in stock of Columbia Bancorp without imposition of the limits
noted in 10.03.

30.     VALUATION OF TRUST (10.15). In addition to the last day of the Plan
Year, the Trustee must value the Trust Fund on the following valuation date(s):
(Choose one of (a) or (b))

[X]     (a) DAILY VALUATION DATES. Each business day of the Plan Year on which
        Plan assets for which there is an established market are valued and the
        Trustee is conducting business.

[]      (b) SPECIFIED DATES:_______.

(C) Copyright 2001 DailyAccess.Com, Inc.

                                       15

<PAGE>

NONSTANDARDIZED 401(K) PROFIT SHARING PLAN: COLUMBIA BANCORP 401(K) PLAN & Trust

                                 EXECUTION PAGE

        The Trustee (and Custodian, if applicable), by executing this Adoption
Agreement, accepts its position and agrees to all of the obligations,
responsibilities and duties imposed upon the Trustee (or Custodian) under the
Prototype Plan and Trust. The Employer hereby agrees to the provisions of this
Plan and Trust, and in witness of its agreement, the Employer by its duly
authorized officers, has executed this Adoption Agreement, and the Trustee (and
Custodian, if applicable) has signified its acceptance, on: ___________________.

Name of Employer: Columbia Bancorp

Employer's EIN: 52-1645572

Signed: ________________________
___________________________________
[Name/Title]
Name(s) of Trustee:

John A. Scaldara, Jr.
John M. Bond, Jr.
________

Trust EIN (Optional):
________

Signed: ________________________
___________________________________
[Name/Title]
Signed: ________________________
___________________________________
[Name/Title]
Signed:_________________________
___________________________________
[Name/Title]
Name of Custodian (Optional):
___________________________________
Signed: ________________________
____________________________________
[Name/Title]

31. PLAN NUMBER. The 3-digit plan number the Employer assigns to this Plan for
ERISA reporting purposes (Form 5500 Series) is: 001.

USE OF ADOPTION AGREEMENT. Failure to complete properly the elections in this
Adoption Agreement may result in disqualification of the Employer's Plan. The
Employer only may use this Adoption Agreement in conjunction with the basic plan
document referenced by its document number on Adoption Agreement page one.

EXECUTION FOR PAGE SUBSTITUTION AMENDMENT ONLY. If this paragraph is completed,
this Execution Page documents an amendment to Adoption Agreement Section(s)___
effective___ , by substitute Adoption Agreement page number(s)___ .

PROTOTYPE PLAN SPONSOR. The Prototype Plan Sponsor identified on the first page
of the basic plan document will notify all adopting employers of any amendment
of this Prototype Plan or of any abandonment or discontinuance by the Prototype
Plan Sponsor of its maintenance of this Prototype Plan. For inquiries regarding
the adoption of the Prototype Plan, the Prototype Plan Sponsor's intended
meaning of any Plan provisions or the effect of the opinion letter issued to the
Prototype Plan Sponsor, please contact the Prototype Plan Sponsor at the
following address and telephone number:

                              Compliance Department

                              DailyAccess.Com, Inc.

                            3101 International Drive

                                Mobile, AL 36606

                                 (251) 665-1800

(C) Copyright 2001 DailyAccess.Com, Inc.

                                       16

<PAGE>

NONSTANDARDIZED 401(K) PROFIT SHARING PLAN: COLUMBIA BANCORP 401(K) PLAN & Trust

RELIANCE ON SPONSOR OPINION LETTER. The Prototype Plan Sponsor has obtained from
the IRS an opinion letter specifying the form of this Adoption Agreement and the
basic plan document satisfy, as of the date of the opinion letter, Code Section
..401. An adopting Employer may rely on the Prototype Sponsor's IRS opinion
letter only to the extent provided in Announcement 2001-77, 2001-30 I.R.B. The
Employer may not rely on the opinion letter in certain other circumstances or
with respect to certain qualification requirements, which are specified in the
opinion letter and in Announcement 2001-77. In order to have reliance in such
circumstances or with respect to such qualification requirements, the Employer
must apply for a determination letter to Employee Plans Determinations of the
Internal Revenue Service.

(C) Copyright 2001 DailyAccess.Com, Inc.

                                       17

<PAGE>

NONSTANDARDIZED 401(K) PROFIT SHARING PLAN: COLUMBIA BANCORP 401(K) PLAN & Trust

                            PARTICIPATION AGREEMENT

         [ ] CHECK HERE IF NOT APPLICABLE AND DO NOT COMPLETE THIS PAGE.

        The undersigned Employer, by executing this Participation Agreement,
elects to become a Participating Employer in the Plan identified in Section 1.21
of the accompanying Adoption Agreement, as if the Participating Employer were a
signatory to that Adoption Agreement. The Participating Employer accepts, and
agrees to be bound by, all of the elections granted under the provisions of the
Prototype Plan as made by the Signatory Employer to the Execution Page of the
Adoption Agreement, except as otherwise provided in this Participation
Agreement.

32.     EFFECTIVE DATE (1.10). The Effective Date of the Plan for the
Participating Employer is: January 1, 1989 .

33.     NEW PLAN/RESTATEMENT. The Participating Employer's adoption of this Plan
constitutes: (Choose one of (a) or (b))

[ ]     (a) The adoption of a new plan by the Participating Employer.

[X]     (b) The adoption of an amendment and restatement of a plan currently
        maintained by the Participating Employer, identified as: the Columbia
        Bancorp 401(k) Plan & Trust, and having an original effective date of:
        January 1, 1989.

34.     PREDECESSOR EMPLOYER SERVICE (1.30). In addition to the predecessor
service credited by reason of Section 1.30 of the Plan, the Plan credits as
Service under this Plan, service with this Participating Employer: (Choose one
or more of (a) through (d) as applicable) [Note: If the Plan does not credit any
additional predecessor service under Section 1.30 for this Participating
Employer, do not complete this election.]

[X]     (a) ELIGIBILITY. For eligibility under Article II. See Plan Section 1.30
        for time of Plan entry.

[X]     (b) VESTING. For vesting under Article V.

[ ]     (c) CONTRIBUTION ALLOCATION. For contribution allocations under
        Article III.

[ ]     (d) EXCEPTIONS. Except for the following Service:________.

Name of Plan:                                    Name of Participating Employer:

Columbia Bancorp 401(k) Plan & Trust             The Columbia Bank

Signed:__________________________________________
       [Name/Title]
_________________________________________________
[Date]

Participating Employer's EIN:_____

ACCEPTANCE BY THE SIGNATORY EMPLOYER TO THE EXECUTION PAGE OF THE ADOPTION
AGREEMENT AND BY THE TRUSTEE.

Name of Signatory Employer: Columbia Bancorp

Date Accepted: _____________________

Signed: ________________________________

Name(s) of Trustee: John A. Scaldara, Jr. and John M. Bond, Jr.

Date Accepted:_____________________

Signed:_____________________________________

Signed:_____________________________________

Signed:_____________________________________

(C) Copyright 2001 DailyAccess.Com, Inc.

                                       18

<PAGE>

NONSTANDARDIZED 401(K) PROFIT SHARING PLAN: COLUMBIA BANCORP 401(K) PLAN & Trust

                             PARTICIPATION AGREEMENT

         [ ] CHECK HERE IF NOT APPLICABLE AND DO NOT COMPLETE THIS PAGE.

        The undersigned Employer, by executing this Participation Agreement,
elects to become a Participating Employer in the Plan identified in Section 1.21
of the accompanying Adoption Agreement, as if the Participating Employer were a
signatory to that Adoption Agreement. The Participating Employer accepts, and
agrees to be bound by, all of the elections granted under the provisions of the
Prototype Plan as made by the Signatory Employer to the Execution Page of the
Adoption Agreement, except as otherwise provided in this Participation
Agreement.

32.     EFFECTIVE DATE (1.10). The Effective Date of the Plan for the
Participating Employer is: January 1, 1989.

33.     NEW PLAN/RESTATEMENT. The Participating Employer's adoption of this Plan
constitutes: (Choose one of (a) or (b))

[ ]     (a) The adoption of a new plan by the Participating Employer.

[X]     (b) The adoption of an amendment and restatement of a plan currently
        maintained by the Participating Employer, identified as: the Columbia
        Bancorp 401(k) Plan & Trust, and having an original effective date of:
        January 1, 1989.

34.     PREDECESSOR EMPLOYER SERVICE (1.30). In addition to the predecessor
service credited by reason of Section 1.30 of the Plan, the Plan credits as
Service under this Plan, service with this Participating Employer: (Choose one
or more of (a) through (d) as applicable) [Note: If the Plan does not credit any
additional predecessor service under Section 1.30 for this Participating
Employer, do not complete this election.]

[X]     (a) ELIGIBILITY. For eligibility under Article II. See Plan Section 1.30
        for time of Plan entry.

[X]     (b) VESTING. For vesting under Article V.

[ ]     (c) CONTRIBUTION ALLOCATION. For contribution allocations under Article
        III.

[ ]     (d) EXCEPTIONS. Except for the following Service:_____ .

Name of Plan:                                    Name of Participating Employer:

Columbia Bancorp 401(k) Plan & Trust             McAlpine Enterprises, Inc.

Signed:__________________________________________
       [Name/Title]
_________________________________________________
[Date]

Participating Employer's EIN:______

ACCEPTANCE BY THE SIGNATORY EMPLOYER TO THE EXECUTION PAGE OF THE ADOPTION
AGREEMENT AND BY THE TRUSTEE.

Name of Signatory Employer: Columbia Bancorp

Date Accepted:__________________

Signed:____________________________

Name(s) of Trustee: John A. Scaldara, Jr. and John M. Bond, Jr.

Date Accepted:__________________

Signed:____________________________

Signed:____________________________

Signed:____________________________
[Note: Each Participating Employer must execute a separate Participation
Agreement. If the Plan does not have a Participating Employer, the Signatory
Employer may delete this page from the Adoption Agreement.]

(C) Copyright 2001 DailyAccess.Com, Inc.

                                       19

<PAGE>

NONSTANDARDIZED 401(K) PROFIT SHARING PLAN: COLUMBIA BANCORP 401(K) PLAN & Trust

                                   APPENDIX A
                    TESTING ELECTIONS/EFFECTIVE DATE ADDENDUM

35.     The following testing elections and special effective dates apply:
(Choose one or more of (a) through (n) as applicable)

[ ]     (a) Highly Compensated Employee (1.14). For Plan Years beginning after
       _____ , the Employer makes the following election(s) regarding the
       definition of Highly Compensated Employee:

            (1) [ ]TOP PAID GROUP ELECTION.

            (2) [ ]CALENDAR YEAR DATA ELECTION (FISCAL YEAR PLAN).

[X]     (b) 401(K) CURRENT YEAR TESTING. The Employer will apply the current
        year testing method in applying the ADP and ACP tests effective for Plan
        Years beginning after 12/31/2002. [Note: For Plan Years beginning on or
        after the Employer's execution of its "GUST" restatement, the Employer
        must use the same testing method within the same Plan Year for both the
        ADP and ACP tests.]

[ ]     (c) COMPENSATION. The Compensation definition under Section 1.07 will
        apply for Plan Years beginning after:_________.

[ ]     (d) ELECTION NOT TO PARTICIPATE. The election not to participate under
        Section 2.06 is effective:_________.

[ ]     (e) 401(K) SAFE HARBOR. The 401(k) safe harbor provisions under Section
        3.01(d) are effective:_________.

[ ]     (f) NEGATIVE ELECTION. The negative election provision under Section
        3.02(b) is effective:_________.

[ ]     (g) CONTRIBUTION/ALLOCATION FORMULA. The specified contribution(s) and
        allocation method(s) under Sections 3.01 and 3.04 are effective:_______.

[ ]     (h) ALLOCATION CONDITIONS. The allocation conditions of Section 3.06 are
        effective:_________.

[ ]     (i) BENEFIT PAYMENT ELECTIONS. The distribution elections of Section(s)
        ______ are effective:_________.

[ ]     (j) ELECTION TO CONTINUE PRE-SBJPA REQUIRED BEGINNING DATE. A
        Participant may not elect to defer commencement of the distribution of
        his/her Vested Account Balance beyond the April 1 following the calendar
        year in which the Participant attains age 70 1/2. See Plan Section
        6.02(A).

[X]     (k) ELIMINATION OF AGE 70 1/2 IN-SERVICE DISTRIBUTIONS. The Plan
        eliminates a Participant's (other than a more than 5% owner) right to
        receive in-service distributions on April 1 of the calendar year
        following the year in which the Participant attains age 70 1/2 for Plan
        Years beginning after: December 31, 1996.

[ ]     (l) ALLOCATION OF EARNINGS. The earnings allocation provisions under
        Section 9.08 are effective:__________.

[ ]     (m) ELIMINATION OF OPTIONAL FORMS OF BENEFIT. The Employer elects
        prospectively to eliminate the following optional forms of benefit:
        (Choose one or more of (1), (2) and (3) as applicable)

    [X]     (1) QJSA and QPSA benefits as described in Plan Sections 6.04, 6.05
            an d 6.06 effective: May 1, 2003.

    [X]     (2) Installment distributions as described in Section 6.03
            effective: May 1, 2003 .

    [X]     (3) Other optional forms of benefit(Any election to eliminate must
            be consistent with Treas. Reg section.1.411 (d)-4): Joint and 50%,
            75% or 100% survivor annuity.

[X]     (n) SPECIAL EFFECTIVE DATE(S): Section 1.15(d) is effective March 1,
        2000. Section 6.03(c) is effective May 1, 2003 in conjunction with the
        elimination of the installment distribution option for distributions
        other than required minimum distributions. Section 6.04(a) is effective
        May 1, 2003 in conjunction with the elimination of annuity payment
        options.

        For periods prior to the above-specified special effective date(s), the
Plan terms in effect prior to its restatement under this Adoption Agreement will
control for purposes of the designated provisions. A special effective date may
not result in the delay of a Plan provision beyond the permissible effective
date under any applicable law.

(C) Copyright 2001 DailyAccess.Com, Inc.

                                       20

<PAGE>

NONSTANDARDIZED 401(K) PROFIT SHARING PLAN: COLUMBIA BANCORP 401(K) PLAN & Trust

                                   APPENDIX B

                    GUST REMEDIAL AMENDMENT PERIOD ELECTIONS

36.     The following GUST restatement elections apply: (Choose one or more of
        (a) through (j) as applicable)

[ ]     (a) HIGHLY COMPENSATED EMPLOYEE ELECTIONS. The Employer makes the
        following remedial amendment period elections with respect to the Highly
        Compensated Employee definition:

<TABLE>
            <S>       <C>                               <C>
            (1) 1997: [ ] Top paid group election.       [ ] Calendar year election.
                      [ ] Calender year data election
            (2) 1998: [ ] Top paid group election.       [ ] Calendar year data election.
            (3) 1999: [ ] Top paid group election.       [ ] Calendar year data election.
            (4) 2000: [ ] Top paid group election.       [ ] Calendar year data election.
            (5) 2001: [ ] Top paid group election.       [ ] Calendar year data election.
            (6) 2002: [ ] Top paid group election.       [ ] Calendar year data election.
</TABLE>

[X]     (b) 401(K) TESTING METHODS. The Employer makes the following remedial
        amendment period elections with respect to the ADP test and the ACP
        test: [Note: The Employer may use a different testing method for the ADP
        and ACP tests through the end of the Plan Year in which the Employer
        executes its GUST restated Plan.]

ADP test ACP test

<TABLE>
            <S>       <C>            <C>               <C>   <C>            <C>
            (1) 1997: [ ]  prior year [X] current year  1997: [ ]  prior year [X] current year
            (2) 1998: [ ]  prior year [X] current year  1998: [ ]  prior year [X] current year
            (3) 1999: [ ]  prior year [X] current year  1999: [ ]  prior year [X] current year
            (4) 2000: [X]  prior year [ ] current year  2000: [X]  prior year [ ]  current year
            (5) 2001: [ ]  prior year [X] current year  2001: [ ]  prior year [X] current year
            (6) 2002: [ ]  prior year [X] current year  2002: [ ]  prior year [X] current year
</TABLE>

[ ]     (c) DELAYED APPLICATION OF SBJPA REQUIRED BEGINNING DATE. The Employer
        elects to delay the effective date for the required beginning date
        provision of Plan Section 6.02 until Plan Years beginning after:______.

[X]     (d) MODEL AMENDMENT FOR REQUIRED MINIMUM DISTRIBUTIONS. The Employer
        adopts the IRS Model Amendment in Plan Section 6.02(E) effective January
        1, 2002. [Note: The date must not be earlier than January 1, 2001.]

DEFINED BENEFIT LIMITATION

[ ]     (e) CODE SECTION.415(E) REPEAL.The repeal of the Code section.415(e)
        limitation is effective for Limitation Years beginning after ______.
        [Note: If the Employer does not make an election under (e), the repeal
        is effective for Limitation Years beginning after December 31, 1999.]

CODE SECTION.415(E) LIMITATION. To the extent necessary to satisfy the
limitation under Plan Section 3.17 for Limitation Years beginning prior to the
repeal of Code section.415(e), the Employer will reduce:(Choose one of (f) or
(g))

[ ]     (f) The Participant's projected annual benefit under the defined benefit
        plan.

[ ]     (g) The Employer's contribution or allocation on behalf of the
        Participant to the defined contribution plan and then, if necessary, the
        Participant's projected annual benefit under the defined benefit plan.

COORDINATION WITH TOP-HEAVY MINIMUM ALLOCATION. The Plan Administrator will
apply the top-heavy minimum allocation provisions of Article XII with the
following modifications: (Choose (h) or choose (i) or (j) or both as applicable)
[X]     (h) No modifications.
[ ]     (i) For Non-Key Employees participating onlyin this Plan, the top-heavy
        minimum allocation is the minimum allocation determined by substituting
        % (not less than 4%) for "3%," except: (Choose one of (1) or (2))
    [ ]     (1) No exceptions.
    [ ]     (2) Plan Years in which the top-heavy ratio exceeds 90%.

[ ]     (j) For Non-Key Employees also participating in the defined benefit
        plan, the top-heavy minimum is:(Choose one of (1) or (2))

    (1)     5% of Compensation irrespective of the contribution rate of any Key
            Employee: (Choose one of a. or b.).

            [ ] a.  No exceptions.

            [ ] b.  Substituting "7 1/2%" for "5%" if the topheavy ratio does
                not exceed 90%.

    [ ]     (2) 0%. [Note: The defined benefit plan must satisfy the topheavy
            minimum benefit requirement for these NonKey Employees.]

ACTUARIAL ASSUMPTIONS FOR TOP-HEAVY CALCULATION. To determine the top-heavy
ratio, the Plan Administrator will use the following interest rate and mortality
assumptions to value accrued benefits under a defined benefit plan:______.

(C) Copyright 2001 DailyAccess.Com, Inc.

                                       21

<PAGE>

NONSTANDARDIZED 401(K) PROFIT SHARING PLAN: COLUMBIA BANCORP 401(K) PLAN & Trust

                        CHECKLIST OF EMPLOYER INFORMATION
                      AND EMPLOYER ADMINISTRATIVE ELECTIONS

COMMENCING WITH THE 2003 PLAN YEAR

        The Prototype Plan permits the Employer to make certain administrative
elections not reflected in the Adoption Agreement. This form lists those
administrative elections and provides a means of recording the Employer's
elections. This checklist is not part of the Plan document.

37.     EMPLOYER INFORMATION.

        Columbia Bancorp

        5585 Sterrett Place

        Columbia, MD 21044

        Phone Number: (410) 465-4800

38.     FORM OF BUSINESS.

        (a) [X] Corporation                     (b) [ ] S Corporation
        (c) [ ] Limited Liability Company       (d) [ ] Sole Proprietorship
        (e) [ ] Partnership                     (f) [ ] __________

39.     SECTION 1.07(F) - NONDISCRIMINATORY DEFINITION OF COMPENSATION. When
        testing nondiscrimination under the Plan, the Plan permits the Employer
        to make elections regarding the definition of Compensation. [Note: This
        election solely is for purposes of nondiscrimination testing. The
        election does not affect the Employer's elections under Section 1.07
        which apply for purposes of allocating Employer contributions and
        Participant forfeitures.]

        (a) [ ]The Plan will "gross up" Compensation for Elective Contributions.
        (b) [ ]The Plan will exclude Elective Contributions.

40.     SECTION 4.04 - ROLLOVER CONTRIBUTIONS.
       (a) [X] The Plan accepts rollover contributions.
       (b) [ ] The Plan does not accept rollover contributions.

41.     SECTION 8.06 - PARTICIPANT DIRECTION OF INVESTMENT/404(C). The Plan
        authorizes Participant direction of investment with Trustee consent. If
        the Trustee permits Participant direction of investment, the Employer
        and the Trustee should adopt a policy which establishes the applicable
        conditions and limitations, including whether they intend the Plan to
        comply with ERISA section.404(c).

        (a) [X] The Plan permits Participant direction of investment and is a
        404(c) plan.
        (b) [] The Plan will permit Participant direction of investment with the
        following exceptions:_______.

42.     SECTION 9.04[A] - PARTICIPANT LOANS. The Plan authorizes the Plan
        Administrator to adopt a written loan policy to permit Participant
        loans.

        (a) [X] The Plan permits Participant loans subject to the following
             conditions:
            (1) [X] Minimum loan amount: $1,000.
            (2) [X] Maximum number of outstanding loans: 2.
            (3) [X] Reasons for which a Participant may request a loan:
                a.  [X] Any purpose.
                b.  [ ] Hardship events.
                c.  [ ] Other:____.
            (4) [X] Suspension of loan repayments:
                a.  [ ] Not permitted.
                b.  [ ] Permitted for non-military leave of absence.
                c.  [X] Permitted for military service leave of absence.
            (5) [X] The Participant must be a party in interest.
        (b) [ ] The Plan does not permit Participant loans.

43.     SECTION 11.01 - LIFE INSURANCE. The Plan with Employer approval
        authorizes the Trustee to acquire life insurance.

        (a) [X] The Plan will not invest in life insurance contracts.
        (b) [ ] The Plan will not invest in life insurance contracts with the
                following exceptions:_______.

(C) Copyright 2001 DailyAccess.Com, Inc.

                                       22

<PAGE>

NONSTANDARDIZED 401(K) PROFIT SHARING PLAN: COLUMBIA BANCORP 401(K) PLAN & TRUST

44.     SURETY BOND COMPANY:_______ . Surety bond amount: $_______ .

(C) Copyright 2001 DailyAccess.Com, Inc.

                                       23

<PAGE>

NONSTANDARDIZED 401(K) PROFIT SHARING PLAN: COLUMBIA BANCORP 401(K) PLAN & TRUST

                   Addendum to the Adoption Agreement for the

                      COLUMBIA BANCORP 401(K) PLAN & Trust

SECTION 3.06(E) SUSPENSION OF ALLOCATION CONDITIONS UNDER A NONSTANDARDIZED
PLAN.

The suspension of allocation conditions under Section 3.06(E) of the Plan will
be applied after the Plan fails in a Plan Year to satisfy coverage under either
the Ratio Percentage Test or the Average Benefit Percentage Test described in
Code Section 410(b)(2).

                                       24