Exhibit 99.1
                            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 March 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.




May 22, 2003                        /s/ R. Ray Pate, Jr.
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                                    R. Ray Pate, Jr.,
                                    President & Chief Executive Officer


May 22, 2003                        /s/ Rebecca B. Crunk
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                                    Rebecca B. Crunk,
                                    Sr. Vice President & Chief Financial Officer