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.