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                                  EXHIBIT 22.1

                       Subsidiaries of the Holding Company 


                       SUBSIDIARIES OF THE HOLDING COMPANY


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