CERTIFICATION


     To my knowledge,  this Report on Form 10-Q for the quarter ended  September
30, 2002 fully complies with the  requirements  of Section 13(a) or 15(d) of the
Securities  Exchange Act of 1934, and the  information  contained in this Report
fairly presents,  in all material respects,  the financial condition and results
of operations of Tri-County Financial Corporation.



                                    By: /s/ Michael L. Middleton
                                        ---------------------------------------
                                        Michael L. Middleton
                                        President and Chief Executive Officer



                                    By: /s/ William J. Pasenelli
                                        ---------------------------------------
                                        William J. Pasenelli
                                        Executive Vice President and  Chief
                                        Financial Officer