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Exhibit 21
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SUBSIDIARIES OF THE REGISTRANT
Parent Subsidiary Ownership Organization
- ------------------ ---------------------------- ---------- ------------
Security First Corp. Security Federal Savings and 100% Federal
Loan Association of Cleveland
Security First Corp. First Federal Savings Bank of 100% Federal
Kent
Security First Corp. SF Development Corp. 100% Ohio
Security Federal Savings Security Financial Corporation 100% Ohio
and Loan Association of
Cleveland
SF Development Corp. Richwood Development 50% Ohio
SF Development Corp. Rushmore Subdivision Ltd. 50% Ohio
SF Development Corp. Courts of Weymouth 33% Ohio
Development, Ltd.
The financial statements of the Registrant are consolidated with those of
its subsidiaries.