X0201 4 2003-10-21 0 0001075343 NCRIC GROUP INC NCRI 0001253857 FARGIS STEPHEN S 1115 30TH STREET, N.W. WASHINGTON DC 20007 0 1 0 0 COO and SVP Common Stock 10699 I Stock Award Plan Common Stock 16575 I 2003 Stock Award Plan Common Stock 7250 D Common Stock 3359 I By Spouse Common Stock 26039 I 401(k) Common Stock 3792 I ESOP Common Stock 186 I By child Stock Options 10.86 2003-10-21 4 A 0 37293 0 A 2004-10-21 2013-10-21 Common Stock 37293 37293 D Stock options vest at a rate of 20% per year over a period ending on October 21, 2008. /s/ John J. Gorman, pursuant to power of attorney 2003-10-23