SUBSIDIARY OF THE REGISTRANT

     The registrant has one subsidiary, Mocksville Savings Bank, Inc., SSB, a
North Carolina corporation.  The subsidiary does business under its corporate
name "Mocksville Savings Bank" and Mocksville Savings Bank, SSB".  Mocksville
Savings Bank, Inc., SSB has a wholly-owned subsidiary, Stone Street Financial
Services, Inc., a North Carolina Corporation.



                                  Exhibit 21