1 Exhibit 21 SUBSIDIARIES OF THE REGISTRANT Percent Jurisdiction of of Incorporation Parent Subsidiary Ownership or Organization -------------------- ------------------------ --------- --------------- CitFed Bancorp, Inc. Citizens Federal Bank, 100% Federal F.S.B. Citizens Federal CitFed Mortgage 100 Ohio Bank, F.S.B. Corporation of America Citizens Federal C.F. Property Management 100 Ohio Bank, F.S.B. Company Citizens Federal Dayton Financial 100 Ohio Bank, F.S.B. Services Corp. Citizens Federal Community Development 33.3 Ohio Bank, F.S.B. Corporation