First Financial Corp of Western Maryland – ‘10-K405’ for 6/30/96 – EX-21

As of:  Friday, 9/27/96   ·   For:  6/30/96   ·   Accession #:  912057-96-21339   ·   File #:  0-19837

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Annual Report — [x] Reg. S-K Item 405   —   Form 10-K
Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: 10-K405     10-K                                                  31    169K 
 2: EX-11       Statement re: Computation of Earnings Per Share        2±     9K 
 3: EX-13       Annual or Quarterly Report to Security Holders        47    243K 
 4: EX-21       Subsidiaries of the Registrant                         1      5K 
 5: EX-23       Consent of Experts or Counsel                          1      6K 
 6: EX-27       Financial Data Schedule (Pre-XBRL)                     2      8K 

EX-21   —   Subsidiaries of the Registrant

EX-21
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      EXHIBIT 21

      Subsidiaries of the Registrant (1)

                               Percentage               State of
    Name                            Owned                Incorporation
    ----                            -----                -------------
First Federal Savings Bank               100%                 United States     
of Western Maryland                                                             

Mid-Atlantic Service                     100%                   Maryland        
Corporation(2)                                                                  

Mid-Atlantic Underwriters                100%                   Maryland        
Agency (3)                                                                      

_______________                                                                 

(1) The operations of the Corporation's subsidiaries are included in the        
Corporation's consolidated financial statements.                        

(2) Wholly-owned subsidiary of First Federal Savings Bank of Western Maryland   

(3) Wholly-owned subsidiary of Mid-Atlantic Service Corporation