EXHIBIT 21
SUBSIDIARIES OF THE REGISTRANT
Name |
| Percent Ownership |
| State of Incorporation |
| | | | |
Pioneer Bank, National Association | | 100% | | New York |
| | | | |
Pioneer Commercial Bank* | | 100% | | New York |
| | | | |
Pioneer Insurance Agency, Inc.* | | 100% | | New York |
| | | | |
Pioneer Financial Services, Inc.* | | 100% | | New York |
* Subsidiary of Pioneer Bank, National Association