EXHIBIT 22

                      SUBSIDIARIES OF NORTH COUNTY BANCORP

1.  North County Bank, a California state chartered bank, is a subsidiary of
    North County Bancorp.

2.  NCB Joint Venture-I, Inc. a California corporation, is a subsidiary of
    North County Bank, and is a participant in Ledford/NCB-I, a California
    joint venture.

3.  GWB Development, a California corporation, is a subsidiary of North
    County Bank, and is a partner in B & G Joint Venture, a California
    general partnership.

4.  NCB Mortgage, a California corporation, is a subsidiary of North County
    Bank.