EXHIBIT 21 SUBSIDIARIES OF DIME BANCORP, INC. (AS OF 2/28/97) State of Subsidiary Incorporation - ------------------------------------------ ------------------- THE DIME SAVINGS BANK OF NEW YORK, FSB Federally-chartered FIFTH AVENUE PROPERTY CORP. Delaware SUBSIDIARIES OF THE DIME SAVINGS BANK OF NEW YORK, FSB (AS OF 2/28/97) State of Subsidiary Incorporation - ------------------------------------------------ ----------------------------- ACCORD AGENCY, INC. New York ACCORD REALTY MANAGEMENT CORPORATION New York ANCHOR MORTGAGE RESOURCES, INC./(1)/ Georgia ANCHOR PROPERTIES OF NEW JERSEY, INC. New Jersey ANCHOR PROPERTY CORP. New York ANCHOR RESIDENTIAL FACILITIES CORPORATION/(2)/ Georgia ANCHOR SYSTEMS CORP./(3)/ New Jersey APRIL PARK CORP. Texas ASB AGENCY, INC. New York 69-30 AUSTIN HOLDING CORP. New York 555 BILTMORE INC./(4)/ Florida 445 CEDARHURST, INC. New York THE CHELSEA ACCORD CORPORATION New York COLONIAL BRISTOL INC. Pennsylvania THE DALTON ACCORD CORPORATION/(5)/ New York THE DIME AGENCY, INC. New York DIME FLORIDA CONSOLIDATION CORP. /(6)/ New York DIME FUNDING, INC. Delaware DIME MORTGAGE, INC. /(7)/ New York DIME MORTGAGE OF ARIZONA, INC. New York DIME MORTGAGE OF NEW JERSEY, INC./(8)/ New York DIME NJ AGENCY, INC./(9)/ New Jersey THE DIME REAL ESTATE SERVICES--CONNECTICUT, INC. New York DIME SECURITIES OF NEW YORK, INC./(10)/ New York _________ /(1)/ Formerly known as MORTGAGE RESOURCES, INC. /(2)/ Formerly known as ANCHOR FACILITIES CORP. /(3)/ Formerly known as SUBURBAN COASTAL SYSTEMS CORPORATION, f/k/a COASTAL COMPUTER SERVICES, INC. /(4)/ Formerly known as ALHAMBRA CIRCLE, INC. /(5)/ Formerly known as THE SUTTON EAST ACCORD CORPORATION. /(6)/ Formerly known as DIME MORTGAGE COMPANY, INC., f/k/a THE DIME REAL ESTATE SERVICES, INC. /(7)/ Formerly known as DIME MORTGAGE OF GEORGIA, INC. /(8)/ Formerly known as DIME OF NEW JERSEY, INC.; a/k/a DIME MORTGAGE OF PENNSYLVANIA, INC. /(9)/ Formerly known as ASB/NJ AGENCY INC., f/k/a SUBURBAN COASTAL INSURANCE SERVICES, INC., f/k/a COASTAL INSURANCE SERVICES, INC. /(10)/ Formerly known as TDA SECURITIES INC. State of Subsidiary Incorporation - ------------------------------------------------ ----------------------------- DNJ AGENCY, INC. New Jersey THE E-F BATTERY ACCORD CORPORATION New York FAMESLINC, INC./(11)/ New York F.C. LTD. New York GARDEN MANAGEMENT CO., INC. New York GRANNY ROAD LAND CORP. New York HARMONY AGENCY, INC./(12)/ New York HERITAGE COMMUNITY SERVICE CORP. New York INSERVCO, INC. Georgia 1101 KENNEDY, INC. Connecticut LAKEVIEW LAND CORP./(13)/ Connecticut LAWRENCE AVENUE CORP./(14)/ New York 520 LINC, INC. New Jersey LINCOLN BARRY GARDENS ACQUISITION CORP. Delaware LINCOLN HERITAGE SQUARE, INC. New York 315-329 LINCOLN PLACE CORP. New York LINCOLN REALTY CAPITAL, INC./(15)/ New York LINCOLN RRE CORPORATION Connecticut LINCOLN TUDOR COURT ACQUISITION CORP. Delaware LINCOLN VENTURES GROUP LTD. New York MEDFORD ASSOCIATES, INC. New York MIDWAY HOLDINGS INC./(16)/ New York THE MOUNT KISCO ACCORD CORPORATION New York 78 NEW LINC CORPORATION/(17)/ New Jersey NEW PELHAMCO INC. New York NICKEL PURCHASING COMPANY, INC. New York NIFTY CORP. New York NORTHEAST APPRAISALS, INC. New York NORTHSHORE CONSOLIDATION CORP./(18)/ New York 847218 ONTARIO LIMITED Canada 847219 ONTARIO LIMITED Canada 847220 ONTARIO LIMITED Canada 847221 ONTARIO LIMITED Canada PELHAM VENTURE INC. New York 620-622 PELHAMDALE AVENUE OWNERS CORPORATION New York PEMBROKE AND LIVINGSTON, INC. Pennsylvania PLAINVIEW INN, INC. New York 1804 PLAZA CORP./(19)/ New York ____________ /(11)/ Formerly known as 3489 BROADLINC, INC. /(12)/ Formerly known as ALLRISH AGENCY, INC. /(13)/ Formerly known as 685 PARKER STREET INC. /(14)/ Formerly known as 220 CENTRAL AVENUE CORP., f/k/a HICKS STREET, INC. /(15)/ Formerly known as ACCORD PROPERTIES, INC. /(16)/ Formerly known as MIDWAY GREEN INC. /(17)/ Formerly known as 78 NEW LINC CORP. /(18)/ Formerly known as DIME CONSOLIDATION COMPANY, INC. /(19)/ Formerly known as PRINCE FARMS DEVELOPMENT CORP., f/k/a PEARL PLAZA INC., f/k/a PARK LANE SOUTH CORP. State of Subsidiary Incorporation - ------------------------------------------------ ----------------------------- RECON SERVICES CORP./(20)/ New York RESERVOIR AVENUE MANAGEMENT, INC. Rhode Island THE SEVENTH AVENUE ACCORD CORPORATION New York 299 SHORE LEE CORP. New York THE SIXTH AVENUE ACCORD CORORATION New York SKY RESORT, INC. Georgia SOMERSET CONSOLIDATION CORPORATION New Jersey STANDARD OF GEORGIA INSURANCE AGENCY, INC. Georgia UNIONDALE HOLDINGS INC. Massachusetts VANDERVENTER CORP. New York 952 W. THIRD ST. CORP./(21)/ New Jersey WACCABORO CORP. New York WAPPINGERS FALLS DEVELOPMENT CORP. New York WINDY RIDGE CORP. New York YELLOWSTONE VENTURE, INC. New York ______________ /(20)/ Formerly known as 1441 GRANT LINC, INC. /(21)/ Formerly known as MACARTHUR INC.