Exhibit 21.1

SUBSIDIARIES OF THE REGISTRANT

TITLE	STATE OF INCORPORATION
United Brokerage Services, Inc.	West Virginia
United Real Estate Property Services, Inc.	West Virginia
United Venture Fund, Inc.	West Virginia
United Title Company	West Virginia
United Bank	Virginia
NVA Properties, LLC	Virginia
NVA Residential, LLC	Virginia
NVA Commercial, LLC	Virginia
George Mason Mortgage, LLC	Virginia
Crescent Mortgage Company	Delaware
GMBS Capital Management Co.	Nevada
UBC Capital Management, Co.	Nevada
United Asset Management Corp.	Nevada
United Loan Management Co.	Nevada
United Statutory Trust III	Connecticut
United Statutory Trust IV	Delaware
United Statutory Trust V	Delaware
United Statutory Trust VI	Delaware
Premier Statutory Trust II	Delaware
Premier Statutory Trust III	Delaware
Premier Statutory Trust IV	Delaware
Premier Statutory Trust V	Delaware
Centra Statutory Trust I	Delaware

SUBSIDIARIES OF THE REGISTRANT

(continued)

TITLE	STATE OF INCORPORATION
Centra Statutory Trust II	Delaware
VCBI Capital Trust II	Delaware
VCBI Capital Trust III	Delaware
Cardinal Statutory Trust I	Delaware
UFBC Capital Trust I	Delaware
Carolina Financial Capital Trust I	Delaware
Carolina Financial Capital Trust II	Delaware
Greer Capital Trust I	Delaware
Greer Capital Trust II	Delaware
First South Preferred Trust I	Delaware
DTFS, Inc.	North Carolina
Carolina Services Corporation of Charleston	Delaware
CresCom Leasing, LLC	North Carolina
Western Carolina Holdings, LLC	North Carolina
BOE Statutory Trust I	Delaware
Essex Services, Inc	Virginia