Exhibit 32

                            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 June 30, 2003 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.


August 14, 2003                         /s/ R. Ray Pate, Jr.
Date                                    --------------------
                                        R. Ray Pate, Jr.
                                        President and Chief Executive Officer


August 14, 2003                         /s/ Rebecca B. Crunk
Date                                    --------------------
                                        Rebecca B. Crunk
                                        Senior Vice President and
                                        Chief Financial Officer