EXHIBIT 21

                         Subsidiaries of the Registrant



<TABLE>
<CAPTION>
                                                                       State or Other
                                                                       Jurisdiction of           Percentage
                                                                       Incorporation             Ownership
                                                                       ---------------           ----------
Parent
-------

<S>                                                                    <C>                         <C>
BCSB Bankcorp, Inc.                                                    United States

Subsidiary (1)
----------

Baltimore County Savings Bank, F.S.B.                                  United States               100%


Subsidiaries of Baltimore County Savings Bank, F.S.B. (1)
-----------------------------------------------------

Baltimore County Service Corp.                                         United States               100%
Ebenezer Road, Inc.                                                    United States               100%

<FN>
____________
(1)      The assets, liabilities and operations of the subsidiaries are included
         in the consolidated financial statements contained in the Annual Report
         to Stockholders attached hereto as Exhibit 13.
</FN>
</TABLE>



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