EXHIBIT 23.2

                     [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  Registration  Statement  No.
333-93619 of NCRIC Group, Inc. on Form S-8 of our report dated February 5, 2002,
appearing in this Annual  Report on Form 10-K of NCRIC Group,  Inc. for the year
ended December 31, 2001.


/s/ Deloitte & Touche LLP
- -------------------------
McLean, VA

February 5, 2002