EXHIBIT 21
SUBSIDIARIES OF THE REGISTRANT
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EXHIBIT 21
SUBSIDIARIES OF THE REGISTRANT
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State of
Incorporation or
Percent of Organization of
Parent Subsidiary Ownership Parent
------ ---------- ---------- ------------------
<S> <C> <C> <C>
Hudson River Bancorp, Inc. Hudson River Bank & Trust 100% Delaware
Company
Hudson River Bank & Trust Company Hudson City Associates, Inc. 100% New York
Hudson River Bank & Trust Company Hudson River Mortgage 100% New York
Corporation
Hudson River Bank & Trust Company Hudson River Funding Corp. 99.9% New York
Hudson River Bank & Trust Company Hudson City Centre, Inc. 100% New York
Hudson River Bank & Trust Company SSLA Services Corp. 100% New York
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