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LIST OF SUBSIDIARIES EXHIBIT 21
Following lists the significant subsidiaries of the registrant
together with their wholly-owned subsidiaries and the state or jurisdiction of
incorporation of each:
NAME INCORPORATED
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1) First National Bank of Pennsylvania United States
2) Reeves Bank Pennsylvania
3) First County Bank, N.A. United States
4) Metropolitan National Bank United States
5) First National Bank of Naples United States
6) Cape Coral National Bank United States
7) First National Bank of Fort Myers United States
8) Indian Rocks National Bank United States
9) Regency Finance Company Pennsylvania
Regency Finance Company conducts business under six names. Business is
conducted at the fifteen offices in Butler, Clearfield, Crawford, Elk, Erie,
Fayette, Lawrence, McKean, Mercer, Somerset and Warren counties in Pennsylvania
under the name of F.N.B. Consumer Discount Company. Business is conducted in
Chataqua county in New York under the names of Citizens Financial Services of
New York, Inc. and Citizens Equity Corporation of New York. Business is
conducted in the seven offices in Columbiana, Mahoning, Lake, Summit and
Trumbull counties in Ohio under the names of Citizens Budget Company and
Citizens Financial Services, Inc. Business is conducted in the thirteen offices
in Centre, Columbia, Hanover, Lackawanna, Lehigh, Monroe, Montour, Northampton,
Snyder, and Union counties in Pennsylvania under the name of Regency Finance
Company.
The other subsidiaries conduct business under the names as shown above.