EXHIBIT 21.1

SUBSIDIARIES OF THE REGISTRANT

NAME	STATE OF ORGANIZATION
OPTIMUMBANK	FLORIDA
OPTIMUMBANK HOLDINGS CAPITAL TRUST I	DELAWARE
OB REAL ESTATE HOLDINGS, LLC	FLORIDA
OB REAL ESTATE HOLDINGS 1176, LLC	FLORIDA
OB REAL ESTATE HOLDINGS 1443, LLC	FLORIDA
OB REAL ESTATE HOLDINGS 1503, LLC	FLORIDA
OB REAL ESTATE HOLDINGS 1565, LLC	FLORIDA
OB REAL ESTATE HOLDINGS 1570, LLC	FLORIDA
OB REAL ESTATE HOLDINGS 1596, LLC	FLORIDA
OB REAL ESTATE HOLDINGS 1620, LLC	FLORIDA
OB REAL ESTATE HOLDINGS 1636, LLC	FLORIDA
OB REAL ESTATE HOLDINGS 1645, LLC	FLORIDA
OB REAL ESTATE HOLDINGS 1695, LLC	FLORIDA
OB REAL ESTATE HOLDINGS 1669, LLC	FLORIDA
OB REAL ESTATE HOLDINGS NORTHWOOD, LLC	FLORIDA
OB REAL ESTATE MANAGEMENT, LLC	FLORIDA