EXHIBIT 21 ---------- SUBSIDIARIES OF THE REGISTRANT SUBSIDIARIES PERCENTAGE OWNED STATE OF INCORPORATION - ------------ ---------------- ---------------------- Greene County Bank ............ 100% Tennessee Premier Bank of East Tennessee 100% Tennessee American Fidelity Bank (1) .... 100% Tennessee SUBSIDIARIES OF GREENE COUNTY BANK Superior Financial Services, Inc........................... 100% Tennessee Superior Mortgage Company ..... 100% Tennessee GCB Acceptance Corporation .... 100% Tennessee - --------- (1) Currently defunct following merger into Greene County Bank in 1996 and survival of charter only under Tennessee law.