Page 39 EXHIBIT 21 SUBSIDIARIES OF THE REGISTRANT <Table> <Caption> NAME OF STATE OF NAME UNDER WHICH SUBSIDIARY INCORPORATION SUBSIDIARY DOES BUSINESS - -------------------- -------------------- ----------------------------- CHW LLC Delaware CHW LLC Providence Insurance A Bermudian Company Providence Insurance Company, Company, Limited Limited CatoSouth LLC North Carolina CatoSouth LLC Cato of Texas L.P. Texas Cato of Texas L.P. Cato Southwest, Inc. Delaware Cato Southwest, Inc. CaDel LLC Delaware CaDel LLC CatoWest LLC Nevada CatoWest LLC Cedar Hill National A Nationally Charted Cedar Hill National Bank Bank Bank catocorp.com, LLC Delaware catocorp.com, LLC </Table>