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 Annual  Report of the Company on Form 10-K for the year
ended December 31, 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.





    March 25, 2004                      /s/ R. Ray Pate, Jr.
- ----------------------        -------------------------------------
Date  R. Ray Pate, Jr.         President and Chief Executive Officer



    March 25, 2004                      /s/  Rebecca B. Crunk
- -----------------------        -------------------------------------------------
 Date  Rebecca B. Crunk        Senior Vice President and Chief Financial Officer