WASHINGTON BANCORP
10KSB, EX-21, 2000-09-29
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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                                                                      Exhibit 21



                         SUBSIDIARIES OF THE REGISTRANT
<TABLE>


            Parent                            Subsidiary                      Ownership               Organization
------------------------------------------------------------------------------------------------------------------
<S>                                <C>                                        <C>                     <C>
Washington Bancorp                 Washington Federal Savings Bank               100%                    Federal

Washington Bancorp                 Rubio Savings Bank of Brighton                100%                     Iowa

Washington Federal Savings Bank    Washington Financial Services, Inc.           100%                     Iowa

</TABLE>

     The financial  statements of the Registrant are consolidated  with those of
its subsidiaries.





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