COLUMBIA BANCORP \OR\
10-Q, EX-27, 2000-11-13
STATE COMMERCIAL BANKS
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<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 SEPTEMBER 30, 2000 AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                      19,677,940
<INT-BEARING-DEPOSITS>                       3,547,145
<FED-FUNDS-SOLD>                             5,997,962
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 42,315,169
<INVESTMENTS-CARRYING>                      18,623,162
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    298,095,317
<ALLOWANCE>                                  4,396,972
<TOTAL-ASSETS>                             420,390,647
<DEPOSITS>                                 355,835,876
<SHORT-TERM>                                21,822,566
<LIABILITIES-OTHER>                          1,561,954
<LONG-TERM>                                  1,239,678
                                0
                                          0
<COMMON>                                    14,426,789
<OTHER-SE>                                  25,503,784
<TOTAL-LIABILITIES-AND-EQUITY>             420,390,647
<INTEREST-LOAN>                             21,478,243
<INTEREST-INVEST>                            2,491,840
<INTEREST-OTHER>                               440,790
<INTEREST-TOTAL>                            24,410,873
<INTEREST-DEPOSIT>                           7,910,718
<INTEREST-EXPENSE>                           8,989,849
<INTEREST-INCOME-NET>                       15,421,024
<LOAN-LOSSES>                                1,317,000
<SECURITIES-GAINS>                             (2,150)
<EXPENSE-OTHER>                              7,640,548
<INCOME-PRETAX>                              6,461,326
<INCOME-PRE-EXTRAORDINARY>                   4,045,266
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 4,045,266
<EPS-BASIC>                                     0.18
<EPS-DILUTED>                                     0.18
<YIELD-ACTUAL>                                    9.53
<LOANS-NON>                                  1,435,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                               117,000
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             3,298,460
<CHARGE-OFFS>                                  258,203
<RECOVERIES>                                    39,715
<ALLOWANCE-CLOSE>                            4,396,972
<ALLOWANCE-DOMESTIC>                         4,396,972
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>


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