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.