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Exhibit 21.0

List of Subsidiaries

 

Subsidiaries

   Percentage
Ownership
    Jurisdiction or
State of  Incorporation
 

Naugatuck Valley Savings and Loan

     100     United States   

Naugatuck Valley Mortgage Servicing Corporation (1)

     100     Connecticut   

 

(1) Wholly owned subsidiary of Naugatuck Valley Savings and Loan