EXHIBIT 99.1

                                  CERTIFICATION


     To my  knowledge,  this Report on Form 10-Q for the quarter  ended June 30,
2002 fully  complies  with the  requirements  of  Section  13(a) or 15(d) of the
Securities  Exchange Act of 1934, and the  information  contained in this Report
fairly presents,  in all material respects,  the financial condition and results
of operations of Tri-County Financial Corporation.



                               By: /s/ Michael L. Middleton
                                   ---------------------------------------------
                                   Michael L. Middleton
                                   President and Chief Executive Officer



                               By: /s/ William J. Pasenelli
                                   ---------------------------------------------
                                   William J. Pasenelli
                                   Executive Vice President and  Chief Financial
                                   Officer

Date:  August 13, 2002