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 March 5, 2004,
appearing in this Annual Report on Form 10-K of NCRIC Group, Inc. for the year
ended December 31, 2003.


/s/ Deloitte & Touche LLP
McLean, VA

March 25, 2004