Exhibit 5

                   [LUSE GORMAN POMERENK & SCHICK LETTERHEAD]

(202) 274-2000

                                 March 25, 2003

NCRIC Group, Inc.
1115 30th Street, N.W.
Washington, D.C.  20007

Ladies and Gentlemen:

We have acted as special counsel to NCRIC Group, Inc., a Delaware corporation
(the "Company"), in connection with the registration under the Securities Act of
1933, as amended, by the Company of an aggregate of 6,627,510 shares of common
stock, par value $0.01 per share (the "Shares"), of the Company and the related
preparation and filing by the Company with the Securities and Exchange
Commission of a Registration Statement on Form S-1 (the "Registration
Statement"). In rendering the opinion set forth below, we do not express any
opinion concerning law other than the federal securities laws and the corporate
law of the State of Delaware.

We have examined originals or copies, certified or otherwise identified, of such
documents, corporate records and other instruments, and have examined such
matters of law, as we have deemed necessary or advisable for purposes of
rendering the opinion set forth below. As to matters of fact, we have examined
and relied upon the representations of the Company contained in the Registration
Statement and, where we have deemed appropriate, representations or certificates
of officers of the Company or public officials. We have assumed the authenticity
of all documents submitted to us as originals, the genuineness of all
signatures, the legal capacity of natural persons and the conformity to the
originals of all documents submitted to us as copies. In making our examination
of any documents, we have assumed that all parties had the corporate power and
authority to enter into and perform all obligations thereunder, and, as to such
parties, we have also assumed the due authorization by all requisite action, the
due execution and delivery of such documents and the validity and binding effect
and enforceability thereof.

Based on the foregoing, we are of the opinion that the Shares to be issued and
sold by the Company have been duly authorized and, when issued and sold as
contemplated in the Registration Statement and the Plan of Conversion and
Reorganization of NCRIC, A Mutual Holding Company (the "MHC"), will be validly
issued and outstanding, fully paid and non-assessable.



NCRIC Group, Inc.
March 25, 2003
Page 2

In rendering the opinion set forth above, we have not passed upon and do not
purport to pass upon the application of securities or "blue-sky" laws of any
jurisdiction (except federal securities laws).

We consent to the filing of this opinion as an Exhibit to the Registration
Statement and to the reference to our firm under the heading "Legal Matters" in
the Prospectus which is part of such Registration Statement.

                                    Very truly yours,

                                    /s/ Luse Gorman Pomerenk & Schick, P.C.

                                    LUSE GORMAN POMERENK & SCHICK
                                    A Professional Corporation