Exhibit 32

                                  CERTIFICATION


     To  my  knowledge,  this  Report  on  Form  10-Q  of  Tri-County  Financial
Corporation  (the "Company") for the quarter ended March 31, 2004 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 the
Company.



                                      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 12, 2004