EXHIBIT (21) Subsidiaries of Emerald Isle Bancorp, Inc. The following are the only subsidiaries of Emerald Isle Bancorp, Inc.: Direct Subsidiary Jurisdiction of Incorporation - ----------------- ----------------------------- The Hibernia Savings Bank Massachusetts Indirect Subsidiaries Jurisdiction of Incorporation - ------------------------ ----------------------------- Meath Corporation(1) Massachusetts Kildare Corporation(1) Massachusetts The Limerick Securities Corporation(1) Massachusetts Roscommon Realty Corporation(2) Massachusetts Mayo Corporation(2) Massachusetts Donegal Realty Corporation(2) Massachusetts Athlone Corporation(2) Massachusetts (1) Subsidiaries of The Hibernia Savings Bank (2) Subsidiaries of Kildare Corporation