[LETTERHEAD OF DELOITTE & TOUCHE LLP]



                         Consent of Independent Auditors

To the Board of Directors
NCRIC Group, Inc.
Washington, D.C.

         We  consent  to the  incorporation  by  reference  in the  Registration
Statement  No.  333-93619  on Form S-8 of our report  dated  February 5, 2001,
appearing in this Annual  Report on Form 10-K of NCRIC Group,  Inc. for the year
ended December 31, 2000.





/s/ Deloitte & Touche LLP
- -------------------------
Deloitte & Touche LLP
Mc Lean, VA

March 22, 2001