EXHIBIT 21

                         Subsidiaries of the Registrant



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                         SUBSIDIARIES OF THE REGISTRANT


                          Jurisdiction of Incorporation      Name Under Which
Name                              of Origination           Business is Conducted
----                              --------------           ---------------------

First Carnegie Deposit             United States                   (1)

Fedcar, Inc. (2)                   Pennsylvania                    (1)


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(1)   Same as corporate name
(2)   Subsidiary of First Carnegie Deposit.



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