EXHIBIT 23.2

                      [Letterhead of Deloitte & Touche LLP]


            CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

To the Board of Directors
NCRIC Group, Inc.
Washington, DC

We consent to the  incorporation by reference in the Registration  Statement No.
333-93619 of NCRIC  Group,  Inc. on Form S-8 of our report dated March 17, 2005,
relating  to the  consolidated  financial  statements  and  financial  statement
schedules of NCRIC Group,  Inc.,  appearing in the Annual Report on Form 10-K of
NCRIC Group, Inc. for the year ended December 31, 2004.

/s/ Deloitte & Touche LLP

McLean, VA
March 17, 2005