EXHIBIT 21

                         SUBSIDIARIES OF THE REGISTRANT
<TABLE>
<CAPTION>

                                                                       State or Other
                                                                       Jurisdiction of           Percentage
                                                                       Incorporation             Ownership
                                                                       ---------------           ----------
<S>                                                                    <C>                         <C>
Parent
------

CFS Bancshares, Inc.                                                   Delaware                    N/A


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

Citizens Federal Savings Bank                                          United States               100%


Subsidiaries of Citizens Federal Savings Bank (1)
---------------------------------------------

Citizens Service Corporation                                           Alabama                     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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