Exhibit 31.2
                     Certification of Chief Financial Officer
          Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

I, Rebecca B. Crunk, Senior Vice President and Chief Financial Officer,
certify that:

(1)    I have reviewed this quarterly report on Form 10-Q of NCRIC Group,
       Inc.;

(2)    Based on my knowledge, this quarterly report does not contain any
       untrue statement of a material fact or omit to state a material fact
       necessary to make the statements made, in light of the circumstances
       under which such statements were made, not misleading with respect to
       the period covered by this quarterly report;

(3)    Based on my knowledge, the financial statements, and other financial
       information included in this quarterly report, fairly present in all
       material respects the financial condition, results of operations and
       cash flows of the registrant as of, and for, the periods presented in
       this quarterly report;

(4)    The registrant's other certifying officers and I are responsible for
       establishing and maintaining disclosure controls and procedures (as
       defined in Exchange Act Rules 13a-14 and 15d-14) for the registrant and
       have:

       a)    designed such disclosure controls and procedures, or caused such
             disclosure controls and procedures to be designed under our
             supervision, to ensure that material information relating to the
             registrant, including its consolidated subsidiaries, is made
             known to us by others within those entities, particularly during
             the period in which this quarterly report is being prepared;

       b)    evaluated the effectiveness of the registrant's disclosure
             controls and procedures and presented in this quarterly report
             our conclusions about the effectiveness of the disclosure
             controls and procedures, as of the end of the period covered by
             this quarterly report based on such evaluation; and

       c)    disclosed in this quarterly report any change in the registrant's
             internal control over financial reporting that occurred during
             the registrant's most recent fiscal quarter that has materially
             affected, or is reasonably likely to materially affect, the
             registrant's internal control over financial reporting.

(5)    The registrant's other certifying officers and I have disclosed, based
       on our most recent evaluation, to the registrant's auditors and the
       audit committee of registrant's board of directors (or persons
       performing the equivalent functions):

       a)    all significant deficiencies in the design or operation of
             internal controls over financial reporting which are reasonably
             likely to adversely affect the registrant's ability to record,
             process, summarize and report financial information; and

       b)    any fraud, whether or not material, that involves management or
             other employees who have a significant role in the registrant's
             internal controls; and

(6)    The registrant's other certifying officers and I have indicated in this
       quarterly report whether there were significant changes in internal
       controls or in other factors that could significantly affect internal
       controls subsequent to the date of our most recent evaluation, including
       any corrective actions with regard to significant deficiencies and
       material weaknesses.




August 10, 2004                          /s/ Rebecca  B. Crunk
-------------------------               ------------------------------
Date                                    Rebecca B. Crunk
                                        Senior Vice President and
                                        Chief Financial Officer