EXHIBIT 21

	State of Incorporation
SUBSIDIARIES OF REGISTRANT
North Fork Bank		New York
Superior Savings of New England, N.A.		Connecticut
GreenPoint Bank		New York
NFB Investment Services Corporation		New York
Amivest Corporation		Delaware
North Fork Capital Trust I		New York
North Fork Capital Trust II		New York
Reliance Capital Trust I		Delaware
North Fork Capital Corp.		New York
GreenPoint Capital Trust I		New York
GreenPoint Community Development Corp		New York
SUBSIDIARIES OF NORTH FORK BANK
Home Fed Realty Corporation		Delaware
NFB Funding, Inc.		New Jersey
NFB Agency Corporation		New York
NFB Development Corp.		New York
Cutchco Corp.		New York
Clare-Elm Corp.		New York
Compass Food Service Corp.		New York
All Points Equipment Leasing, LCC		New York
All Points Capital Corp.		New York
RHJ Holdings, Inc.		New York
CBMC Inc. (d/b/a Money Centers)		New York
NFB Maritime, Inc. (d/b/a First New England Financial)		New York
Reliance Preferred Funding Corporation		Delaware
Jamsab Realty Corp.		New York
New Commercial Bank of New York, LLC		New York
Twin Forks Mortgage Corp.		New Jersey
North Fork Capital Source Group, Inc.		New York
All Points Public Funding, LLC		New York
TC Preferred Funding Inc.		New Jersey
North Fork Business Capital Corp.		New York
North Fork New Markets Credit Corp.		New York
ORAC Inc.		New Jersey

	State of Incorporation
SUBSIDIARIES OF GREENPOINT BANK
GreenPoint Bank		New York
Headlands Mortgage Company		California
GreenPoint Mortgage Funding, Inc.		New York
GreenPoint Credit, LLC		Delaware
GPCC Mississippi, LLC		Mississippi
GP Asset LLC		Delaware
GreenPoint Mortgage Securities, Inc.		California
GreenPoint Agency Inc.		Delaware
GreenPoint Insurance Corp.		Arizona
GreenPoint Purchasing Corp.		Delaware
Headlands Insurance Agency		California
Marin Conveyancing Corp.		California
3090 Ocean Avenue Realty Corp.		New York
GreenPoint Mortgage Securities LLC		Delaware
Neerg Corp.		New York
298 15th Street Realty Corp.		New York
Neerg Second Corp.		New York
Alpha REO Corporation		New York
Beta REO Corp.		New York
GreenPoint Services LLC		New York
GreenPoint Financial Advisors LLC		Delaware
GreenPoint Business Processing Services Pvt. Ltd.		India
GreenPoint Services LLC		Delaware
GreenPoint Mortgage Holdings LLC		Delaware
GreenPoint Metro Agency LLC		Delaware
GreenPoint Agency LLC		Delaware
Metro Agency, Inc.		New York
GreenPoint Title Services, LLC		Delaware