COLUMBIA BANCORP
SC 13D, 1997-05-21
STATE COMMERCIAL BANKS
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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549


                                  SCHEDULE 13D

                    Under the Securities Exchange Act of 1934


                                Columbia Bancorp
                                (Name of Issuer)


                    Common Stock ($0.01 par value per share)
                         (Title of Class of Securities)


                                    197227101
                                 (CUSIP Number)


                              John A. Scaldara, Jr.
                                The Columbia Bank
                          9171 Baltimore National Pike
                          Ellicott City, Maryland 21042
                                  410-465-4800
- --------------------------------------------------------------------------------
            (Name, Address and Telephone Number of Person Authorized
                     to Receive Notices and Communications)


                                 April 25, 1997
- --------------------------------------------------------------------------------
             (Date of Event which Requires Filing of this Statement)


If the filing person has previously  filed a statement on Schedule 13G to report
the  acquisition  which is the subject of this  Schedule 13D, and is filing this
schedule because of Rule 13d-1(b)(3) or (4), check the following box: |_|

- --------------------------------------------------------------------------------
                                               Page 1 of 5 Pages


<PAGE>

- --------------------------------------------------------------------------------

CUSIP No.:  197227101                                         Page 2 of 5 Pages
- --------------------------------------------------------------------------------


(1)  NAME OF REPORTING PERSON: John M. Bond, Jr.

     S.S. or I.R.S. IDENTIFICATION NO. OF ABOVE PERSON:   ###-##-####

- --------------------------------------------------------------------------------
(2)  CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP       (a)     |_|
                                                            (b)     |_|
- --------------------------------------------------------------------------------
(3)  SEC USE ONLY


- --------------------------------------------------------------------------------
(4)  SOURCE OF FUNDS*
     OO

- --------------------------------------------------------------------------------
(5)  CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS
     2(d) or 2(e)                                                   |_|

- --------------------------------------------------------------------------------
(6)  CITIZENSHIP OR PLACE OF ORGANIZATION

         United States

- --------------------------------------------------------------------------------
        NUMBER OF                (7)      SOLE VOTING POWER
          SHARES                                   73,434
                            ----------------------------------------------------
       BENEFICIALLY              (8)      SHARED VOTING POWER
         OWNED BY                                  59,674
                            ----------------------------------------------------
           EACH                  (9)      SOLE DISPOSITIVE POWER
        REPORTING                                  73,434
                            ----------------------------------------------------
          PERSON                 (10)     SHARED DISPOSITIVE POWER
           WITH                                    59,674
- --------------------------------------------------------------------------------
       (11)   AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON

                133,108

- --------------------------------------------------------------------------------
       (12)  CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN
             SHARES*                                                |_|

- --------------------------------------------------------------------------------
       (13)  PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)

                6.1958%

- --------------------------------------------------------------------------------
       (14)   TYPE OF REPORTING PERSON*

                IN

- --------------------------------------------------------------------------------
                      *SEE INSTRUCTIONS BEFORE FILLING OUT!


<PAGE>




                                   
     Item 1. Security and Issuer

     This  Statement  relates to the  common  stock,  par value  $0.01 per share
("Common Stock"),  of Columbia Bancorp,  a Maryland  corporation (the "Issuer").
The address of the principal  executive  offices of the Issuer is 9171 Baltimore
National Pike, Ellicott City, Maryland 21042.

     Item 2. Identity and Background

     (a)  John M. Bond, Jr. (the "Reporting Person")

     (b)  Business  address:  The Columbia Bank,  9171 Baltimore  National Pike,
          Ellicott City, Maryland 21042

     (c)  President,  Chief Executive Officer and Treasurer of The Columbia Bank
          and Columbia Bancorp

     (d)  During  the  last  five  years,  the  Reporting  Person  has not  been
          convicted in a criminal  proceeding  (excluding  traffic violations or
          similar misdemeanors).

     (e)  During the last five years,  the Reporting Person has not been a party
          to a  civil  proceeding  of  a  judicial  or  administrative  body  of
          competent  jurisdiction  and as a result of such  proceeding was or is
          subject  to  a  judgment,  decree  or  final  order  enjoining  future
          violations of, or prohibiting  activities subject to, federal or state
          securities laws.

     (f)  United States

     Item 3. Source and Amount of Funds or Other Consideration

     (a)  Personal funds in the amount of $131,807.50.

     (b)  Beneficial ownership of 58,300 shares of Common Stock was derived from
          the right to exercise warrants and stock options.

     (c)  Beneficial  ownership of 24,107 shares of Common Stock was obtained as
          a result of being named a  co-executor  of the estate of John M. Bond,
          Sr.

     (d)  Beneficial ownership of 23,508 shares of Common Stock was derived from
          Reporting  Person's  position of  co-trustee  of the 401-k plan of the
          Issuer.

                                  Page 3 of 5

<PAGE>

     (e)  Beneficial  ownership  of 13,079  shares was obtained  from  Reporting
          Person's  contributions to (i) Issuer's 401-k plan, and (ii) Reporting
          Person's individual retirement accounts.

     Item 4. Purpose of Transaction

     The  information  set forth in the response to Item 3 above is incorporated
herein by reference.

     Item 5. Interest in Securities of the Issuer

     The response to Item 3 is  incorporated  herein by  reference.  Pursuant to
Rule 13d-3 of the  Securities  Exchange Act of 1934,  as amended,  the Reporting
Person was deemed to  beneficially  own  133,108  shares of Common  Stock  which
constituted  approximately  6.1958%  of the  2,148,345  shares of  Common  Stock
reported to be  outstanding  by the Issuer in its Quarterly  Report on Form 10-Q
for the fiscal quarter ended March 31, 1997.

     On May 5, 1997, the Reporting  Person  purchased 100 shares of Common Stock
for $22.25 per share. Such shares were purchased through the Reporting  Person's
individual retirement account.

     Item 6.  Contracts,  Arrangements,  Understandings  or  Relationships  with
Respect to Securities of the Issuer

     The  information  set  forth  in the  responses  to  Items 3 and 4 above is
incorporated herein by reference.

     Item 7. Material to be filed as Exhibits

     Not applicable

                  {remainder of page intentionally left blank}

                                  Page 4 of 5

<PAGE>





                                    SIGNATURE

         After reasonable  inquiry and to the best of my knowledge and belief, I
certify that the information  set forth in this Statement is true,  complete and
correct.

Dated: May __, 1997



                                        JOHN M. BOND, JR.


                                        _______________________________________
                                        

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