EXHIBIT 21

SUBSIDIARIES OF THE REGISTRANT

Parent

The Community Financial Corporation

State of Subsidiary	Percentage 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