<DOCUMENT>
<TYPE>EX-21
<SEQUENCE>4
<FILENAME>dex21.txt
<DESCRIPTION>EXHIBIT 21
<TEXT>
<PAGE>

                                                                      EXHIBIT 21

                         SUBSIDIARIES OF THE REGISTRANT

                                                             Jurisdiction of
                                  Percentage Owned            Incorporation
                                ----------------------    ----------------------
Heritage Bank                           100%                  United States


                          SUBSIDIARIES OF HERITAGE BANK

                                                             Jurisdiction of
                                  Percentage Owned            Incorporation
                                ----------------------    ----------------------
Fall & Fall Insurance, Inc.             100%                     Kentucky

</TEXT>
</DOCUMENT>