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EXHIBIT 21
SUBSIDIARIES OF THE REGISTRANT
| | | | |
Name |
| Percent Ownership |
| State of Incorporation |
| | | | |
Pioneer Bank | | 100% | | New York |
| | | | |
Pioneer Commercial Bank* | | 100% | | New York |
| | | | |
Anchor Agency, Inc.* | | 100% | | New York |
| | | | |
Pioneer Financial Services, Inc.* | | 100% | | New York |
* Subsidiary of Pioneer Bank