Exhibit 21

Subsidiaries

Parent

Kearny Financial Corp.

Subsidiaries	State or Other Jurisdiction of Incorporation	Percentage Ownership
Kearny Federal Savings Bank	United States		100	%
Subsidiaries of Kearny Federal Savings Bank
CJB Investment Corp.	New Jersey		100	%
KFS Financial Services, Inc.	New Jersey		100	%
Subsidiaries of KFS Financial Services, Inc.
KFS Insurance Services, Inc.	New Jersey		100	%