<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED FINANCIAL STATEMENTS AND NOTES CONTAINED IN THE 1999 ANNUAL REPORT
TO SHAREHOLDERS OF COLUMBIA BANCORP AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                      24,709,012
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                               680,024
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 42,207,841
<INVESTMENTS-CARRYING>                      20,125,225
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    251,164,039
<ALLOWANCE>                                  3,298,460
<TOTAL-ASSETS>                             361,240,667
<DEPOSITS>                                 310,909,789
<SHORT-TERM>                                10,870,318
<LIABILITIES-OTHER>                          2,138,998
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                    14,392,229
<OTHER-SE>                                  22,929,333
<TOTAL-LIABILITIES-AND-EQUITY>             361,240,667
<INTEREST-LOAN>                             22,494,529
<INTEREST-INVEST>                            4,026,606
<INTEREST-OTHER>                               362,171
<INTEREST-TOTAL>                            26,883,306
<INTEREST-DEPOSIT>                           8,034,437
<INTEREST-EXPENSE>                           8,568,237
<INTEREST-INCOME-NET>                       18,315,069
<LOAN-LOSSES>                                1,005,000
<SECURITIES-GAINS>                               7,772
<EXPENSE-OTHER>                              9,199,262
<INCOME-PRETAX>                              8,118,579
<INCOME-PRE-EXTRAORDINARY>                   5,013,223
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 5,013,223
<EPS-BASIC>                                      .63
<EPS-DILUTED>                                      .62
<YIELD-ACTUAL>                                    8.98
<LOANS-NON>                                    394,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                               202,000
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             2,380,000
<CHARGE-OFFS>                                  182,000
<RECOVERIES>                                    95,000
<ALLOWANCE-CLOSE>                            3,298,000
<ALLOWANCE-DOMESTIC>                         3,298,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0