EXHIBIT 21.1

                       Subsidiaries of the Holding Company

                       SUBSIDIARIES OF THE HOLDING COMPANY

1.    Progressive Bank, N.A. of Wheeling, West Virginia, a national banking
         association with offices in Wheeling, Wellsburg, and Moundsville, West
         Virginia and Bellaire, Ohio.

2.    Progressive Bank, N.A. - Buckhannon of Buckhannon, West Virginia, a
         national banking association with offices in Buckhannon and Weston,
         West Virginia.