EXHIBIT 22.1

                       Subsidiaries of the Holding Company

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