EXHIBIT 32.2

                            CERTIFICATION PURSUANT TO

                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Quarterly Report of Columbia Bancorp (the "Company") on
Form 10-Q for the quarter ended September 30, 2005, as filed with the Securities
and Exchange Commission on the date hereof (the "Report"), I, Greg B. Spear,
Chief Financial Officer of the Company, certify, pursuant to 18 U.S.C.
Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of
2002, that:

      (1)   The Report fully complies with the requirements of section 13(a) or
            15(d) of the Securities Exchange Act of 1934; and

      (2)   The information contained in the Report fairly presents, in all
            material respects, the financial condition and result of operations
            of the Company for the period certified.

/s/ Greg B. Spear
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Greg B. Spear
Chief Financial Officer
November 3, 2005