FIRST ROBINSON FINANCIAL CORP
10KSB, EX-21, 2000-06-29
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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                         SUBSIDIARIES OF THE REGISTRANT



                              Subsidiary or        Percent of       State of
     Parent                   Organization         Ownership      Incorporation
-------------------------  ---------------------- ------------  ----------------
First Robinson Financial   First Robinson            100%           Federal
 Corporation                Savings Bank, N.A.

First Robinson Savings     First Robinson            100%           Illinois
 Bank, N.A.                 Service Corporation









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