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                                                EXHIBIT 21.1

LIST OF SUBSIDIARIES

Following lists the significant subsidiaries of the registrant and the state or jurisdiction of incorporation of each:

NAME

INCORPORATED

1)

First National Bank of Pennsylvania

United States

2)

First National Insurance Agency, LLC

Delaware

First National Trust Company (which includes First National Investment Services Company, LLC) is a subsidiary of First National Bank of Pennsylvania.

Bank Capital Services, LLC (which is a subsidiary of First National Bank of Pennsylvania) also conducts business under the name F.N.B. Equipment Finance.