<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM COLUMBIA
BANCORP'S CONSOLIDATED FINANCIAL STATEMENTS CONTAINED IN ITS QUARTERLY REPORT ON
FORM 10-Q FOR THE PERIOD ENDED JUNE 30, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1
<CURRENCY> U.S. DOLLARS
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<EXCHANGE-RATE> 1
<CASH> 24,042,820
<INT-BEARING-DEPOSITS> 605,021
<FED-FUNDS-SOLD> 1,266,611
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 42,039,848
<INVESTMENTS-CARRYING> 19,115,625
<INVESTMENTS-MARKET> 0
<LOANS> 290,075,177
<ALLOWANCE> 4,104,189
<TOTAL-ASSETS> 407,858,967
<DEPOSITS> 341,115,053
<SHORT-TERM> 24,842,678
<LIABILITIES-OTHER> 1,872,507
<LONG-TERM> 1,259,448
0
0
<COMMON> 14,408,889
<OTHER-SE> 24,360,392
<TOTAL-LIABILITIES-AND-EQUITY> 407,858,967
<INTEREST-LOAN> 13,689,170
<INTEREST-INVEST> 1,668,922
<INTEREST-OTHER> 332,414
<INTEREST-TOTAL> 15,690,506
<INTEREST-DEPOSIT> 5,050,854
<INTEREST-EXPENSE> 5,697,359
<INTEREST-INCOME-NET> 9,993,147
<LOAN-LOSSES> 853,000
<SECURITIES-GAINS> (2,150)
<EXPENSE-OTHER> 4,942,687
<INCOME-PRETAX> 4,195,310
<INCOME-PRE-EXTRAORDINARY> 2,625,801
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,625,801
<EPS-BASIC> 0.33
<EPS-DILUTED> 0.32
<YIELD-ACTUAL> 9.45
<LOANS-NON> 491,360
<LOANS-PAST> 15,253
<LOANS-TROUBLED> 119,101
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 3,298,460
<CHARGE-OFFS> 69,492
<RECOVERIES> 22,221
<ALLOWANCE-CLOSE> 4,104,189
<ALLOWANCE-DOMESTIC> 4,104,189
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>