1 Exhibit 21 Yardville National Bancorp Subsidiaries 1. Yardville National Bank 2. Yardville Capital Trust 3. Yardville National Investment Corporation (wholly-owned subsidiary of Bank) 4. YNB Real Estate Holding Company (wholly-owned subsidiary of Bank) 5. Brendan, Inc. (wholly-owned subsidiary of Bank) 6. YNB Financial, Inc. (wholly-owned subsidiary of Bank) 7. Nancy-Beth, Inc. (wholly-owned subsidiary of Bank) 8. YNB Realty, Inc. (wholly-owned subsidiary of Bank) 9. Jim Mary, Inc. (wholly-owned subsidiary of Bank) 10. Capital Development, Inc. (wholly-owned subsidiary of Bank)