SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                  SCHEDULE 13G/A
                                 (Rule 13d-102)

             INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT
           TO RULES 13d-1(b), (c) AND (d) AND AMENDMENTS THERETO FILED
                            PURSUANT TO RULE 13d-2(b)

                               (Amendment No. 6)(1)



                        TRI-COUNTY FINANCIAL CORPORATION
--------------------------------------------------------------------------------
                                (Name of Issuer)

                                  COMMON STOCK
--------------------------------------------------------------------------------
                         (Title of Class of Securities)

                                   89546L 10 7
                                 --------------
                                 (CUSIP Number)

                                DECEMBER 31, 2001
--------------------------------------------------------------------------------
             (Date of Event Which Requires Filing of this Statement)


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

     [X]  Rule 13d-1(b)

     [X]  Rule 13d-1(c)

     [ ]  Rule 13d-1(d)


(1)   The  remainder  of this cover  page  shall be filled  out for a  reporting
person's  initial  filing on this  form with  respect  to the  subject  class of
securities,  and for any subsequent amendment containing information which would
alter the disclosures provided in a prior cover page.

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).

                                Page 1 of 7 pages


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CUSIP NO. 89546L 10 7                 13G                      PAGE 2 OF 7 PAGES
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1          NAMES OF REPORTING PERSONS:
           COMMUNITY BANK OF TRI-COUNTY EMPLOYEE STOCK OWNERSHIP PLAN TRUST

           I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS (ENTITIES ONLY)
           52-2054674
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2          CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP *

                                                              (a) [ ]

                                                              (b) [X]

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3          SEC USE ONLY

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4          CITIZENSHIP OR PLACE OF ORGANIZATION
           STATE OF MARYLAND

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       NUMBER OF          5      SOLE VOTING POWER                   8,548
         SHARES           ------------------------------------------------------
      BENEFICIALLY        6      SHARED VOTING POWER                45,181
        OWNED BY          ------------------------------------------------------
          EACH            7      SOLE DISPOSITIVE POWER              8,548
       REPORTING          ------------------------------------------------------
         PERSON           8      SHARED DISPOSITIVE POWER           45,181
          WITH
--------------------------------------------------------------------------------
9          AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
           53,729
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10         CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES*
           [ ]
--------------------------------------------------------------------------------
11         PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
           7.1%
--------------------------------------------------------------------------------
12         TYPE OF REPORTING PERSON *
                    EP
--------------------------------------------------------------------------------

                     * SEE INSTRUCTIONS BEFORE FILLING OUT!



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CUSIP NO. 89546L 10 7                 13G                      PAGE 3 OF 7 PAGES
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--------------------------------------------------------------------------------
1          NAMES OF REPORTING PERSONS:
           LOUIS P. JENKINS, JR.

           I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS (ENTITIES ONLY)

--------------------------------------------------------------------------------
2          CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP *

                                                             (a) [ ]

                                                             (b) [X]

--------------------------------------------------------------------------------
3          SEC USE ONLY

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4          CITIZENSHIP OR PLACE OF ORGANIZATION
           UNITED STATES OF AMERICA

--------------------------------------------------------------------------------

       NUMBER OF          5      SOLE VOTING POWER                       500
         SHARES           ------------------------------------------------------
      BENEFICIALLY        6      SHARED VOTING POWER                   8,548
        OWNED BY          ------------------------------------------------------
          EACH            7      SOLE DISPOSITIVE POWER                1,100
       REPORTING          ------------------------------------------------------
         PERSON           8      SHARED DISPOSITIVE POWER              8,548
          WITH
--------------------------------------------------------------------------------
9          AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
             9,648
--------------------------------------------------------------------------------
10         CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES*
             [ ]
--------------------------------------------------------------------------------
11         PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
           1.3%
--------------------------------------------------------------------------------
12         TYPE OF REPORTING PERSON *
                    IN
--------------------------------------------------------------------------------

                     * SEE INSTRUCTIONS BEFORE FILLING OUT!


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CUSIP NO. 89546L 10 7                 13G                      PAGE 4 OF 7 PAGES
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--------------------------------------------------------------------------------
1          NAMES OF REPORTING PERSONS:
           HERBERT N. REDMOND, JR.

           I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS (ENTITIES ONLY)

--------------------------------------------------------------------------------
2          CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP *

                                                             (a) [ ]

                                                             (b) [X]

--------------------------------------------------------------------------------
3          SEC USE ONLY

--------------------------------------------------------------------------------
4          CITIZENSHIP OR PLACE OF ORGANIZATION
           UNITED STATES OF AMERICA

--------------------------------------------------------------------------------

       NUMBER OF          5      SOLE VOTING POWER                   540
         SHARES           ------------------------------------------------------
      BENEFICIALLY        6      SHARED VOTING POWER               8,548
        OWNED BY          ------------------------------------------------------
          EACH            7      SOLE DISPOSITIVE POWER            5,140
       REPORTING          ------------------------------------------------------
         PERSON           8      SHARED DISPOSITIVE POWER          8,548
          WITH
--------------------------------------------------------------------------------
9          AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
           13,688
--------------------------------------------------------------------------------
10         CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES*
            [ ]
--------------------------------------------------------------------------------
11         PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
           1.8%
--------------------------------------------------------------------------------
12         TYPE OF REPORTING PERSON *
                    IN
--------------------------------------------------------------------------------

                     * SEE INSTRUCTIONS BEFORE FILLING OUT!



                                                  ------------------------------
                                                        PAGE 5 OF 7 PAGES
                                                  ------------------------------

                       Securities and Exchange Commission
                             Washington, D.C. 20549


ITEM 1(a)         NAME OF ISSUER.
     Tri-County Financial Corporation

ITEM 1(b)         ADDRESS OF ISSUER'S PRINCIPAL EXECUTIVE OFFICES.
     3035 Leonardtown Rd.
     Waldorf, Maryland  20601

ITEM 2(a)         NAME OF PERSON(S) FILING.
     Community Bank of Tri-County  Employee Stock Ownership Plan Trust ("ESOP"),
and the following  individuals who serve as its trustees:  Louis P. Jenkins, Jr.
and Herbert N. Redmond, Jr.

ITEM 2(b)         ADDRESS OF PRINCIPAL BUSINESS OFFICE.
     Same as Item 1(b).

ITEM 2(c)         CITIZENSHIP.
     See Row 4 of the second part of the cover page provided for each  reporting
person.

ITEM 2(d)         TITLE OF CLASS OF SECURITIES.
     Common Stock, par value $.01 per share.

ITEM 2(e)         CUSIP NUMBER.
     See the upper left corner of the second part of the cover page provided for
each reporting person.

ITEM 3.           IF THIS  STATEMENT IS FILED  PURSUANT TO RULE  13d-1(b),
                  OR 13d-2(b) OR (c),  CHECK  WHETHER THE PERSON FILING IS A:

          (f)  [X] An employee benefit plan or endowment fund in accordance with
                   Rule 13d-1(b)(1)(ii)(F);

     Items (a), (b),  (c), (d), (e), (g), (h), (i), and (j) are not  applicable.
This Schedule 13G is being filed on behalf of the ESOP  identified in Item 2(a),
filing  under the Item 3(f)  classification,  and by each  trustee  of the trust
established  pursuant  to  the  ESOP,  filing  pursuant  to  Rule  13d-1(c)  and
applicable SEC no-action letters.




                                                  ------------------------------
                                                         PAGE 6 OF 7 PAGES
                                                  ------------------------------

ITEM 4.      OWNERSHIP.

     (a)  Amount  Beneficially  Owned: See Row 9 of the second part of the cover
          page provided for each reporting person.

     (b)  Percent  of Class:  See Row 11 of the  second  part of the cover  page
          provided for each reporting person.

     (c)  See Rows 5, 6, 7, and 8 of the second part of the cover page  provided
          for each reporting person.

ITEM 5.      OWNERSHIP OF FIVE PERCENT OR LESS OF A CLASS.
     If this  statement  is being  filed to report  the fact that as of the date
hereof the reporting  person has ceased to be the beneficial  owner of more than
five percent of the class of securities, check the following: [ ]

ITEM 6.      OWNERSHIP OF MORE THAN FIVE PERCENT ON BEHALF OF ANOTHER PERSON.
     The  ESOP  Committee  has the  power  to  determine  whether  dividends  on
allocated shares that are paid to the ESOP trust are distributed to participants
or are used to repay the ESOP loan.

ITEM 7.      IDENTIFICATION AND CLASSIFICATION  OF THE SUBSIDIARY WHICH ACQUIRED
             THE SECURITY BEING REPORTED ON BY THE PARENT HOLDING COMPANY.
     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.     CERTIFICATION.
     By  signing  below,  each  signatory  in the  capacity  of an ESOP  trustee
certifies that, to the best of his knowledge and belief, the securities referred
to above were acquired and are held in the ordinary  course of business and 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.

     By signing below, each signatory in his individual capacity certifies that,
to the best of his 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.



                                                  ------------------------------
                                                         PAGE 7 OF 7 PAGES
                                                  ------------------------------


                                    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.

COMMUNITY BANK OF TRI-COUNTY
EMPLOYEE STOCK OWNERSHIP PLAN TRUST

By Its Trustees:

/s/ Louis P. Jenkins, Jr.                                January 31, 2002
-----------------------------------------------------    -----------------
Louis P. Jenkins, Jr., as Trustee                        Date

/s/ Herbert N. Redmond, Jr.                              January 29, 2002
-----------------------------------------------------    -----------------
Herbert N. Redmond, Jr., as Trustee                      Date


/s/ Louis P. Jenkins, Jr.                                February 7, 2002
-----------------------------------------------------    -----------------
Louis P. Jenkins, Jr., as an Individual Stockholder      Date


/s/ Herbert N. Redmond, Jr.                              January 29, 2002
-----------------------------------------------------    -----------------
Herbert N. Redmond, Jr., as an Individual Stockholder    Date