<TABLE>
<CAPTION>

                         SUBSIDIARIES OF THE REGISTRANT



                                                                                                       State of
                                                                                     Percentage      Incorporation
                                                                                         of               or
               Parent                                 Subsidiary                      Ownership      Organization
-------------------------------- ------------------------------------------------- ---------------- ------------------


<S>                                 <C>                                                  <C>            <C>
First Independence Corporation      First Federal Savings and Loan Association of        100%           Federal
                                    Independence

</TABLE>



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