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 13, 2004 ----------------- NCRIC Group, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 000-25505 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 13, 2004, NCRIC Group, Inc. issued a press release disclosing an adverse jury verdict in premium collection litigation involving its wholly owned subsidiary NCRIC, Inc. On February 16, 2004, NCRIC Group, Inc. issued a press release announcing a conference call to discuss fourth quarter and year-end results and to provide a litigation update. Item 7. Financial Statements and Exhibits (a) Financial Statements of businesses acquired. Not Applicable. (b) Pro forma financial information. Not Applicable. (c) Exhibits. The following Exhibits are attached as part of this report: 99.1 Press Release of NCRIC Group, Inc. dated February 13, 2004 99.2 Press Release of NCRIC Group, Inc. dated February 16, 2004 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 18, 2004 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 13, 2004 99.2 Press Release of NCRIC Group, Inc. dated February 16, 2004