<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>