Certification pursuant to
                             18 U.S.C. Section 1350,
                             as adopted pursuant to
                  Section 906 of the Sarbanes-Oxley Act of 2002



R. Ray Pate, Jr., President and Chief Executive  Officer,  and Rebecca B. Crunk,
Senior Vice  President  and 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 of the Company on Form 10-Q for the
quarter ended September 30, 2002 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.

The purpose of this  statement  is solely to comply  with Title 18,  Chapter 63,
Section  1350 of the United  States  Code,  as  amended  by  Section  906 of the
Sarbanes-Oxley Act of 2002.





November 14, 2002            /s/ R. Ray Pate, Jr.
- -----------------            -------------------------------------
Date                         R. Ray Pate, Jr.
                             President and Chief Executive Officer


November 14, 2002            /s/ Rebecca B. Crunk
- -----------------            -------------------------------------------------
Date                         Rebecca B. Crunk
                             Senior Vice President and Chief Financial Officer