CERTIFICATION


     To  my  knowledge,  this  Report  on  Form  10-Q  of  Tri-County  Financial
Corporation  (the  "Company") for the quarter ended June 30, 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.



Date:August 12, 2004                       By: /s/ Michael L. Middleton
                                               ---------------------------------
                                               Michael L. Middleton
                                               President and Chief Executive
                                                Officer



Date:August 12, 2004                       By: /s/ William J. Pasenelli
                                               ---------------------------------
                                               William J. Pasenelli
                                               Executive Vice President and
                                                Chief Financial Officer