Exhibit 21.1

                                  SUBSIDIARIES



(1)  Resource Bank, a Virginia corporation, is a wholly owned subsidiary of
     Resource Bankshares Corporation.

(2)  Resource Service Corporation, a Virginia corporation, is a wholly owned
     subsidiary of Resource Bank.
     (a) Financial Planners Mortgage, L.L.P., is a Virginia general partnership
         registered as a limited liability partnership,  in which Resource
         Service Corporation owns a 49% interest.

(3)  Resource Capital Trust I, a Delaware business trust, is a wholly-owned
     subsidiary of Resource Bankshares Corporation.

(4)  CW and Company of Virginia, a Virginia corporation, is a wholly-owned
     subsidiary of Resource Bank.