1
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
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) First National Bank of Florida United States
9) West Coast Guaranty Bank, N.A. United States
10) Regency Finance Company Pennsylvania
Regency Finance Company conducts business under five 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 name Citizens Financial Services, Inc.
Business is conducted in the eleven offices in Centre, Columbia, Hanover,
Lackawanna, Lehigh, Monroe, Snyder, and Union counties in Pennsylvania under the
name of Regency Finance Company.
The other subsidiaries conduct business under the names as shown
above.