CERTIFICATION


     To my  knowledge,  this Report on Form 10-Q for the quarter ended March 31,
2003 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


May 15, 2003