Exhibit 21


Registrant  owns all of the issued and outstanding capital stock of Harleysville
National Bank and Trust Company, a National banking association headquartered at
483 Main Street, Harleysville, PA 19438, the Citizens National Bank of Lansford,
a  national  banking  association  headquartered  at  13-15  West  Ridge Street,
Lansford,  PA  18232,  Security  National  Bank,  a national banking association
headquartered  at  One Security Plaza, Pottstown, PA  19464 and of HNC Financial
Company,  a  Delaware  Corporation  headquartered  at 300 Delaware Avenue, Suite
1704,  Wilmington,  Delaware  19801.