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,  HNC  Financial
Company,  a  Delaware  Corporation headquartered at 2751 Centerville Road, Suite
3164,  Wilmington,  Delaware  19808  and  of HNC Reinsurance Company, an Arizona
Corporation  headquartered  at  101  North  First  Avenue,  Suite 2460, Phoenix,
Arizona  85003.