Exhibit 21.0

Subsidiaries

		September 30,		September 30,
	Percentage Ownership			Jurisdiction or State of Incorporation
Registrant
Athens Bancshares Corporation				Tennessee
Subsidiaries
Athens Federal Community Bank		100	%	United States
Southland Finance, Inc. (1)		100	%	Tennessee
TiServ, Inc. (1)		100	%	Tennessee
Valley Title Services, LLC (2)		100	%	Tennessee

(1) Wholly owned subsidiary of Athens Federal Community Bank.

(2) Wholly owned subsidiary of TiServ, Inc.