Exhibit 21 Subsidiaries of the Company . The Company owns 100% of the capital stock of the Springfield Institution for Savings d/b/a SIS Bank, a Massachusetts chartered stock savings bank (SIS Bank) and 100% of the capital stock of the Glastonbury Bank & Trust Company d/b/a GBT, a Connecticut chartered commercial bank (GBT). . The Company also owns, through GBT, 100% of the capital stock of GBT Insurance Group, Inc., a Connecticut corporation, which is included in the Company's consolidated financial statements. . The Company also owns through SIS Bank, 100% of the capital stock of each of the following subsidiaries, all of which are Massachusetts corporations (unless otherwise indicated) and all of which are included in the Company's consolidated financial statements: (1) Commerce Properties, Inc. (2) Properties Two, Inc. (Connecticut corporation) (3) Village Park Properties, Inc. (Georgia corporation) (4) SIS Investment Corporation (5) SIS Investment Corporation II (6) Sherman Street Corporation (7) SIS Center, Inc. (8) Newgate Corporation (9) Colebrook Corporation (10) Colebrook-Leominster, Inc. (11) Overlook, Inc. . The Company also owns 100% of the capital stock of each of the following subsidiaries through SIS Bank and Colebrook Corporation, all of which are Massachusetts corporations (unless otherwise indicated) and all of which are included in the Company's consolidated financial statements: (1) Colebrook Realty Services, Inc. (2) Colebrook-Diamond, Inc. (3) Colebrook-Riverdale Corporation (4) Colebrook/Westor, Corp. . In addition, the Company owns, either directly or through the wholly owned subsidiaries of SIS Bank and Colebrook Corporation specified below, the percentage interest in the partnership or corporation set forth opposite each such wholly owned subsidiary. Subsidiary Partnership or Corporation Owned Percentage Interest ---------- -------------------------------- ------------------- (1) Newgate Corporation Hillman Associates 100% general partnership Partnership #4 Wiljon Partnership 50% general partnership (2) Colebrook/Westor Corp. Westor Corporation 50% stockholder (3) Overlook, Inc. Chester Commons 99% limited partnership (4) Sherman Street Corporation Van Der Hayden 1% general partnership