Exhibit 21

CROGHAN BANCSHARES, INC.

Subsidiaries of the Registrant

	State of	Percentage of
Subsidiary	Incorporation	securities owned
The Croghan Colonial Bank (1)	Ohio		100	%
Croghan Insurance Agency (1)(2)	Ohio		100	%

(1) Each principal office is located in Fremont, Ohio.

(2) Wholly-owned subsidiary of The Croghan Colonial Bank

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