Exhibit 21
First Bancorp and Subsidiaries
List of Subsidiaries of Registrant
<TABLE>
<CAPTION>
Name of Subsidiary
and Name under I.R.S. Employer
Which Subsidiary Identification
Transacts Business State of Incorporation Address of Subsidiary Number
----------------------- ---------------------------- ------------------------------ ----------------------
<S> <C> <C> <C>
First Bank (1) 341 North Main Street
North Carolina Troy, North Carolina 27371-0508 56-0132230
First Savings Bank of 205 SE Broad Street
Moore County, Inc., SSB North Carolina Southern Pines, NC 28388 56-0408240
(2) (3)
Montgomery Data 355 Bilhen Street
Services, Inc. North Carolina Troy, North Carolina 27371-0627 56-1421914
First Bancorp Financial
Services, Inc. North Carolina 341 North Main Street
Troy, North Carolina 27371-0508 56-1597887
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(1) First Bank wholly owns two subsidiaries 1) First Troy Realty Corporation, a
North Carolina corporation incorporated on May 12, 1999, located at 341
North Main Street, Troy, North Carolina 27371-0508 (I.R.S. Employer
Identification Number 56-2140094) and 2) First Bank Insurance Services,
Inc. a North Carolina corporation, located at 341 North Main Street, Troy,
North Carolina 27371-0508 (I.R.S. Employer Identification Number
56-1659931)
(2) First Savings Bank of Moore County, Inc., SSB has one wholly owned
subsidiary - Moore Services, Inc. a North Carolina corporation, located at
205 SE Broad Street, Southern Pines NC 28388 (I.R.S. Identification
Employer Identification Number 56-1222967)
(3) First Savings Bank of Moore County, Inc., SSB is expected to be merged into
First Bank during the fourth quarter of 2000
