1 EXHIBIT 21 SUBSIDIARIES OF THE REGISTRANT Subsidiaries Percentage Owned State of Incorporation - ------------ ---------------- ---------------------- Greene County Bank 100% Tennessee Premier Bank of East Tennessee 100% Tennessee American Fidelity Bank (1) 100% Tennessee SUBSIDIARIES OF GREENE COUNTY BANK Superior Financial Services, Inc. 100% Tennessee Superior Mortgage Company 100% Tennessee GCB Acceptance Corporation 100% Tennessee (1) Currently defunct following merger into Greene County Bank in 1996 and survival of charter only under Tennessee law.