NEWMIL BANCORP INC
10-K, EX-21, 2000-09-15
SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED
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                               Exhibit 21.1

                        SUBSIDIARIES OF REGISTRANT

New Milford Savings Bank, a Connecticut state chartered savings bank.

Subsidiaries of New Milford Savings Bank:
Asset Recovery Management Company, a Connecticut Corporation.
New Mil Asset Company, a Connecticut Corporation.
NMSB Mortgage Company, a Connecticut Corporation.





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