EXHIBIT 21.1
 
                              REDFED BANCORP INC.
                                  SUBSIDIARIES
 
 
                              REDFED BANCORP INC.
 
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                                    REDLANDS
                                 FEDERAL BANK,
                             a federal savings bank
 
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     REDLANDS
    FINANCIAL                     REDFED, INC.                REDFED ESCROW,
  SERVICES, INC.                                                   INC.
 
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