SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                  SCHEDULE 13G

                    Under the Securities Exchange Act of 1934

                        Greater Atlantic Financial Corp.
                                (Name of Issuer)

                                  Common Stock
                         (Title of Class of Securities)

                                   391601 10 1
                                 (CUSIP Number)

                                 March 20, 2002
             (Date of Event Which Requires Filing of this Statement)

        Check the appropriate box to designate the rule pursuant to which this
Schedule is filed

        [  ]   Rule 13d-1(b)
        [x ]   Rule 13d-1(c)
        [  ]   Rule 13d-1(d)

        The information required in the remainder of this cover page shall not
be deemed to be filed for the purpose of Section 18 of the Securities Exchange
Act of 1934 (Act) or otherwise subject to the liabilities of that section of the
Act but shall be subject to all other provisions of the Act (however, see the
Notes).


CUSIP No.............................................................391601 10 1


1)     Names of Reporting Persons..........................Kenneth R. Lehman and
                                                         Joan Abercrombie Lehman
       I.R.S. Identification Nos. of Above Persons................Not Applicable

2)      Check the appropriate box if a Member of a Group (See instructions)
               (a)    [   ]
               (b)    [   ]

3)      SEC use only............................................................

4)      Citizenship..........................................................USA

Number of      (5)    Sole Voting Power........................................0
Shares
Beneficially   (6)    Shared Voting Power................................186,699
Owned by
Each Reporting (7)    Sole Dispositive Power...................................0
Person
With           (8)    Shared Dispositive Power...........................186,699


9)      Aggregate Amount Beneficially Owned by Each Reporting Person.....186,699

10)    Check if the Aggregate Amount in Row (9) Excludes Certain
       Shares.....................................................Not applicable

11)    Percent of Class Represented by Amount in Row 9......................6.1%


12)    Type of Reporting Person (See Instructions)............................IN







Item 1(a)  Name of Issuer:   Greater Atlantic Financial Corp.

Item 1(b)  Address of Issuer's Principal Executive Offices:
           10700 Parkridge Boulevard,
           Suite P50
           Reston, VA  20191

Item       2(a) Name of Person Filing: This Schedule 13G is jointly filed by
           Kenneth R. Lehman and Joan Abercrombie Lehman (the "Filing Persons"),
           spouses, who jointly own all securities to which this Schedule 13G
           relates.

Item 2(b)  Address of Principal Business Office or, if none, Residence:
           1408 N. Abingdon Street
           Arlington, VA  22207

Item 2(c)  Citizenship:  USA

Item 2(d)  Title of Class of Securities:  Common Stock

Item 2(e)  CUSIP Number:   391601 10 1

Item 3:    Not applicable

Item 4:    Ownership

        (a)    Amount beneficially owned................................186,699*
        (b)    Percent of class............................................6.1%*
        (c)    Number of shares as to which the person has:
               (i)    Sole power to vote or to direct the vote.................0
               (ii)   Shared power to vote or to direct the vote........186,699*
               (iii)  Sole power to dispose or to direct the disposition of ...0
               (iv)   Shared power to dispose or to direct the
                      disposition of ...................................186,699*

        * The Filing Persons jointly own 122,700 shares of the common stock of
Greater Atlantic Financial Corp., and 44,786 shares of Greater Atlantic Capital
Trust Convertible Preferred securities that are convertible into 63,999 shares
of common stock of Greater Atlantic Financial Corp. Assumes that all such
convertible securities are converted into shares of common stock.

Item 5:    Ownership of Five Percent or Less of a Class.
              Not applicable.

Item 6:    Ownership of More than Five Percent on Behalf of Another Person.
              Not applicable.

Item 7:    Identification and Classification of the Subsidiary that Acquired
           Securities Being Reported On.
              Not applicable.

Item 8:    Identification and Classification of Members of the Group.
              Not applicable.

Item 9:    Notice of Dissolution of Group.
              Not applicable.

Item 10:   Certifications.

By signing below I certify that, to the best of my knowledge and belief, the
securities referred to above were not acquired and are not held for the purpose
of or with the effect of changing or influencing the control of the issuer of
the securities and were not acquired and are not held in connection with or as a
participant in any transaction having that purpose or effect.



                                    SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify
that the information set forth in this statement is true, complete and correct.

Date:  March 28, 2002

/s/ Kenneth R. Lehman
- ------------------------------------
Kenneth R. Lehman

/s/ Joan Abercrombie Lehman
- ------------------------------------
Joan Abercrombie Lehman