Exhibit 21.0

List of Subsidiaries

	Percentage		Jurisdiction or
Subsidiaries	Ownership		State of Incorporation
Naugatuck Valley Savings and Loan		100%	United States
Naugatuck Valley Mortgage Servicing
Corporation  (1)		100%	Connecticut
Church Street OREO One, LLC  (1)		100%	Connecticut

(1) Wholly owned subsidiaries of Naugatuck Valley Savings and Loan