U. S. Securities and Exchange Commission
                             Washington, D.C. 20549

                                   FORM 10-Q/A
                                (Amendment No. 1)

                  Quarterly Report Under Section 13 or 15(d) of
                      the Securities Exchange Act of 1934
                  For the quarterly period ended March 31, 2003
                         Commission File Number: 0-25505



                                NCRIC Group, Inc.

          District of Columbia                      52-2134774
    (State or other jurisdiction of              (I.R.S. Employer
     incorporation or organization)             Identification No.)

                  1115 30th Street, NW, Washington, D.C. 20007
               (Address of principal executive offices) (Zip Code)

                                  202-969-1866
                (Issuer's telephone number, including area code)

      Indicate by check mark whether the registrant (1) has filed all reports
required to be filed by Section 13 or 15(d) of the Securities Exchange Act of
1934 during the past 12 months (or for such shorter period that the registrant
was required to file such reports), and (2) has been subject to such filing
requirements for the past 90 days.

         Yes  X         No

    Indicate by check mark whether the registrant is an accelerated filer(as
defined in Rule 12b-2 of the Exchange Act.

         Yes            No  X

         Indicate the number of shares outstanding of each of the issuer's
classes of common stock, as of the latest practicable date: As of May 1, 2003,
there were 3,708,399 shares of NCRIC Group, Inc. common stock outstanding.

<PAGE>

         The purpose of this Amendment No. 1 is to replace the disclosure in
Item 6 initially filed on Form 10-Q with the disclosure contained herein.
Accordingly, the changes reflected in this Amendment No. 1 relate solely to Item
6 of the Form 10-Q for the quarter ending March 31, 2003.

Item 6.  Exhibits and Reports on Form 8-K.

         (a)      Exhibit  99.1 -  Certification  pursuant to 18 U.S.C.  Section
                  1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley
                  Act of 2002

         (b)      Filings on Form 8-K during the quarter ending March 31, 2003:

         1)       On January 30, 2003 the  Registrant  filed a Form 8-K pursuant
                  to Item 5 announcing  the  approval of the Plan of  Conversion
                  and  Reorganization  of NCRIC, A Mutual Holding Company by the
                  respective  Boards of Directors of the Registrant and NCRIC, A
                  Mutual Holding  Company,  the mutual holding company parent of
                  the Registrant.

         2)       On February 24, 2003 the Registrant  filed a Form 8-K pursuant
                  to Item 5 announcing the fourth quarter and year-end financial
                  results of the Registrant.



<PAGE>



                    Certification of Chief Executive Officer
            Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

I, R. Ray Pate, Jr., President and Chief Executive 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 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  as of a date within 90 days prior to
                  the filing  date of this  quarterly  report  (the  "Evaluation
                  Date"); and


         c)       presented in this quarterly  report our conclusions  about the
                  effectiveness of the disclosure  controls and procedures based
                  on our evaluation as of the Evaluation Date;

(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   which   could   adversely   affect   the
                  registrant's ability to record, process,  summarize and report
                  financial  data  and  have  identified  for  the  registrant's
                  auditors any material weaknesses in internal controls; 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.


      May 22, 2003                          /s/ R. Ray Pate, Jr.
-------------------------                  -------------------------------------
Date                                       R. Ray Pate, Jr.
                                           President and Chief Executive Officer



<PAGE>


                    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 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  as of a date within 90 days prior to
                  the filing  date of this  quarterly  report  (the  "Evaluation
                  Date"); and


         c)       presented in this quarterly  report our conclusions  about the
                  effectiveness of the disclosure  controls and procedures based
                  on our evaluation as of the Evaluation Date;

(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   which   could   adversely   affect   the
                  registrant's ability to record, process,  summarize and report
                  financial  data  and  have  identified  for  the  registrant's
                  auditors any material weaknesses in internal controls; 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.


      May 22, 2003                         /s/ Rebecca B. Crunk
-------------------------                  -------------------------------------
Date                                       Rebecca B. Crunk
                                           Senior Vice President and Chief
                                           Financial Officer







                                   SIGNATURES

     Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant caused this report to be signed on its behalf by the undersigned,
thereunto duly authorized.


                                    NCRIC Group, Inc.

May 22, 2003                        /s/ R. Ray Pate, Jr.
-------------------------           --------------------------------------------
                                    R. Ray Pate, Jr.,
                                    President & Chief Executive Officer
                                    (Duly Authorized Officer)

May 22, 2003                        /s/ Rebecca B. Crunk
-------------------------           --------------------------------------------
                                    Rebecca B. Crunk,
                                    Sr. Vice President & Chief Financial Officer
                                    (Principal Financial Officer)