1
Exhibit 21
SUBSIDIARIES OF REGISTRANT
Date and Percent of
Voting Shares,
Year and Partnership Interests,
State Voting Trust Certificates,
Name and Address Incorporated Capital Contributions Description of Activity
- ---------------- ------------ -------------------------- -----------------------
Signal Bank, N.A. Ohio 1987 100% Commercial banking
1905
Summit Bank, N.A. Ohio 1997 100% Commercial banking
1991
Summit Banc Investments Corp. Ohio 1997 100% Securities product sales
1996
Alpha Equipment Group, Inc.(2) Ohio 1997 100% Equipment leasing
1990
Signal Finance Company(1) Ohio 1997 100% Multi-purpose finance company
1997
Alliance Corporate Resources, Inc.(1) Ohio 1997 100% Information technology leasing
1987
Signal Mortgage Corp.(1) Ohio 1978 100% Mortgage loan origination
1978
First Federal Capital Corp. I(1) Delaware 1986 100% CMO Issue
1986
Home Financial Services, Inc.(1) Ohio 1988 100% Securities product sales
1988
H.F.S. Agency, Inc.(1) Ohio 1989 96% Tax-deferred annuity sales
1989
Professional Appraisal Services Corp.(1) Ohio 1993 100% Appraisal services
1993
Venture Mortgage Corp.(1) Ohio 1996 100% Operating subsidiary
1995
Signal Securitization Corp.(1) Delaware 1996 100% Securitization Issue
1996
Mobile Consultants, Inc. Ohio 1996 100% Origination and servicing of
1973 manufactured housing loans
<FN>
(1) Subsidiaries of Signal Bank, N.A., subsidiary of the Registrant.
(2) Subsidiary of Summit Bank, N.A., subsidiary of the Registrant.