CERTIFICATION

     This Report on Form 10-Q of Tri-County Financial Corporation (the “Company”) for the quarter ended March 31, 2005 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 the Company.

Date:	May 12, 2005	By:	/s/ Michael L. Middleton
			Michael L. Middleton
			President and Chief Executive Officer
Date:	May 12, 2005	By:	/s/ William J. Pasenelli
			William J. Pasenelli
			Executive Vice President and Chief Financial Officer