Exhibit 99.1 - Certification

                    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 15, 2003                               /s/ R. Ray Pate, Jr.
------------                               -------------------------------------
Date                                       R. Ray Pate, Jr.
                                           President and Chief Executive Officer


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<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 15, 2003                   /s/ Rebecca B. Crunk
------------                   -------------------------------------------------
Date                           Rebecca B. Crunk
                               Senior Vice President and Chief Financial Officer



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<PAGE>



                                   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 15, 2003      /s/ R. Ray Pate, Jr.
                  --------------------------------------------------------------
                  R. Ray Pate, Jr., President & Chief Executive Officer
                  (Duly Authorized Officer)

May 15, 2003      /s/ Rebecca B. Crunk
                  --------------------------------------------------------------
                  Rebecca B. Crunk, Sr. Vice President & Chief Financial Officer
                  (Principal Financial Officer)




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<PAGE>

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



R. Ray Pate, Jr., President and Chief Executive Officer, and Rebecca B. Crunk,
Senior Vice President and Chief Financial Officer of NCRIC Group, Inc. (the
"Company"), each certify in his/her capacity as an officer of the Company that
he/she has reviewed the Quarterly Report of the Company on Form 10-Q for the
quarter ended March 31, 2003 and that to the best of his/her knowledge:

(1)  the report fully complies with the requirements of Sections 13(a) of the
     Securities Exchange Act of 1934; and

(2)  the information contained in the report fairly presents, in all material
     respects, the financial condition and results of operations of the Company.

The purpose of this statement is solely to comply with Title 18, Chapter 63,
Section 1350 of the United States Code, as amended by Section 906 of the
Sarbanes-Oxley Act of 2002.





May 15, 2003                  /s/ R. Ray Pate, Jr.
------------                  --------------------------------------------------
Date                          R. Ray Pate, Jr.
                              President and Chief Executive Officer


May 15, 2003                  /s/ Rebecca B. Crunk
------------                  --------------------------------------------------
Date                          Rebecca B. Crunk
                              Senior Vice President and Chief Financial Officer



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