EXHIBIT (21)

SUBSIDIARIES OF REGISTRANT

Registrant owns 100% of the outstanding stock of each of the following corporations:

Name	State of Incorporation
Harleysville Insurance Company of Ohio	Ohio
Harleysville-Atlantic Insurance Company	Georgia
Harleysville Insurance Company of New Jersey	New Jersey
Harleysville Preferred Insurance Company	Pennsylvania
Harleysville Lake States Insurance Company	Michigan
Mid-America Insurance Company	Pennsylvania
Harleysville Insurance Company	Minnesota
Harleysville Insurance Company of New York	New York
Harleysville Worcester Insurance Company	Massachusetts