EXHIBIT 21

<PAGE>


                         SUBSIDIARIES OF THE REGISTRANT

                                                           Percentage of
                               Jurisdiction of             Ownership held
Subsidiary                      Incorporation              by Registrant
----------                      -------------              -------------

First Federal Savings Bank      United States                   100%



The financial  statements of the subsidiary of the  registrant are  consolidated
with those of the registrant.



© 2022 IncJournal is not affiliated with or endorsed by the U.S. Securities and Exchange Commission