EXHIBIT 21

SUBSIDIARIES OF THE REGISTRANT

Parent

The Community Financial Corporation

State of	Percentage
Subsidiary	Owned			Incorporation
Community Bank of the Chesapeake		100	%		Maryland
Tri-County Capital Trust I		100	%		Delaware
Tri-County Capital Trust II		100	%		Delaware
Subsidiaries of Community Bank of Tri-County
Community Mortgage Corporation of Tri-County		100	%		Maryland