Exhibit 23.2

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Registration Statement of NCRIC Group, Inc. and
subsidiaries on Form S-1 of our report dated February 15, 2003 (which report
expresses an unqualified opinion and includes an explanatory paragraph relating
to Note 1 in the consolidated financial statements regarding the adoption of
Statement of Financial Accounting Standards No. 142, "Goodwill and Other
Intangible Assets"), appearing in the Prospectus, which is a part of this
Registration Statement, and to the reference to us under the heading "Experts"
in such Prospectus.

/s/ Deloitte & Touche LLP

McLean, VA

March 24, 2003