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, 2004 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 10, 2004                          /s/            R. Ray Pate, Jr.
- ---------------------                   --------------------------------
Date                                    R. Ray Pate, Jr.
                                        President and Chief Executive Officer


August 10, 2004                          /s/            Rebecca B. Crunk
- ---------------------                   ----------------------------------
Date                                      Rebecca B. Crunk
                                          Senior Vice President and Chief
                                          Financial Officer


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