EXHIBIT 32



                           SECTION 1350 CERTIFICATIONS



     To my knowledge,  this report on Form 10-Q (the  "Report")  for  Tri-County
Financial  Corporation (the "Company") for the period ended June 30, 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 consolidated  financial  condition and
results of operations of the Company.

                                        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 12, 2003