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<PAGE> EXHIBIT 21 SUBSIDIARIES OF THE REGISTRANT <TABLE> <CAPTION> Percentage Jurisdiction of Patent Subsidiary Owned Incorporation -------------------- ------------------------------------ --------------- --------------- <S> <C> <C> <C> CBES Bancorp, Inc. Community Bank of Excelsior Springs, 100 Federal a Savings Bank Community Bank of CBES Service Corporation 100 Missouri Excelsior Springs, a Savings Bank </TABLE>
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