UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT

                       PURSUANT TO SECTION 13 OR 15(D) OF
                       THE SECURITIES EXCHANGE ACT OF 1934

       Date of Report (Date of earliest event reported): February 21, 2003
                                                         -----------------

                                NCRIC Group, Inc.
                               ------------------
             (Exact Name of Registrant as Specified in its Charter)

    District of Columbia                 0-25505                 52-2134774
- -----------------------------     ---------------------     --------------------
(State or Other Jurisdiction)     (Commission File No.)     (I.R.S. Employer
      of Incorporation)                                      Identification No.)


1115 30th Street, N.W., Washington, D.C.                    20007
- ----------------------------------------                    -----
(Address of Principal Executive Offices)                    (Zip Code)

Registrant's telephone number, including area code:  (202) 969-1866
                                                     --------------



                                 Not Applicable
                                 ---------------
          (Former name or former address, if changed since last report)







Item 5.     Other Events

     On February 21, 2003, NCRIC Group,  Inc. issued a press release relating to
its fourth quarter and year-end earnings.  The press release is filed as Exhibit
99.1 to this report.

Item 7.     Financial Statements, Pro Forma Financial Information, and Exhibits

            The following Exhibit is filed as part of this report:


            99.1     Press Release of NCRIC Group, Inc. dated February 21, 2003





                                   SIGNATURES

     Pursuant to the  requirements  of the Securities  Exchange Act of 1934, the
Registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned, hereunto duly authorized.

                               NCRIC GROUP, INC.



DATE: February 24, 2003     By: /s/ Rebecca B. Crunk
                               --------------------------------------------
                               Rebecca B. Crunk
                               Senior Vice President and Chief Financial Officer





                                  EXHIBIT INDEX

     Exhibit No.                   Description
     -----------                   -----------

     99.1             Press Release of NCRIC Group, Inc. dated February 21, 2003