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EXHIBIT 21
 
SUBSIDIARIES OF THE REGISTRANT
 
Subsidiary
  
Ownership
  
State of Incorporation
  
           
Fairport Savings Bank
100%
  
Federal
  
 
SUBSIDIARIES OF FAIRPORT SAVINGS BANK
 
 
Subsidiary
  
Ownership
  
State of Incorporation
  
           
Oakleaf Services Corporation
100%
  
New York