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Exhibit 21
SUBSIDIARIES OF THE REGISTRANT
First National Bank and Trust Company—
National banking association headquartered in the State of North Carolina
First National Investor Services, Inc.—
A North Carolina corporation and operating subsidiary
Premier Investment Services, Inc.—
A North Carolina corporation and operating subsidiary
Dover Mortgage Company—
Mortgage banking company incorporated in the State of North Carolina
FNB United Statutory Trust I—
A Connecticut statutory business trust