EXHIBIT 21

            SUBSIDIARIES OF THE REGISTRANT


SUBSIDIARIES OF HARBOR:
----------------------
<TABLE>
<CAPTION>

                                         STATE OR OTHER           PERCENTAGE
SUBSIDIARIES:                     JURISDICTION OF INCORPORATION    OWNERSHIP
------------                      -----------------------------   -----------
<S>                                       <C>                       <C>
Harbor Federal Savings Bank                United States             100%

Subsidiaries of Harbor Federal
------------------------------
  Savings Bank:
  ------------

Harbor Service Corporation                 Maryland                  100%
Bank Street Mortgage Company               Maryland                  100%

</TABLE>



© 2022 IncJournal is not affiliated with or endorsed by the U.S. Securities and Exchange Commission