SECTION 1350 CERTIFICATION



     To my knowledge,  this report on Form 10-Q (the  "Report")  for  Tri-County
Financial  Corporation  (the "Company") for the period ended September 30, 2003,
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 consolidated  financial  condition and
results of operations of the Company.

                                        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

Date:  November 12, 2003