Exhibit 99.1

     Certification of Chief Executive Officer and Chief Financial Officer
            Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

R. Ray Pate, Jr., Chief Executive Officer, and Rebecca B. Crunk, Chief Financial
Officer, of NCRIC Group, Inc. (the "Company") each certify in his/her capacity
as an officer of the Company that he/she has reviewed the quarterly report on
Form 10-Q for the quarter ended June 30, 2002 (the "Report") and that to the
best of his/her knowledge:

     (1)  the Report fully complies with the requirements of Sections 13(a) of
          the Securities Exchange Act of 1934; and

     (2)  the information contained in the report fairly presents, in all
          material respects, the financial condition and results of operations
          of the Company.



August 14, 2002                                       /s/ R. Ray Pate, Jr.
- ---------------                                   ------------------------
Date                                              R. Ray Pate, Jr.,
                                                  Chief Executive Officer


August 14, 2002                                       /s/ Rebecca B. Crunk
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Date                                              Rebecca B. Crunk,
                                                  Chief Financial Officer