<DOCUMENT>
<TYPE>EX-21
<SEQUENCE>3
<FILENAME>exh-21_13331.txt
<DESCRIPTION>SUBSIDIARIES OF THE REGISTRANT
<TEXT>
                                                                      EXHIBIT 21
                                                                      ----------


SUBSIDIARIES OF THE REGISTRANT


1.     Westbank - Massachusetts

       a.     PWB&T, Inc. - Massachusetts

       b.     Park West Securities Corporation - Massachusetts

       c.     New London Trust Financial Services Corporation - New Hampshire

2.     Westbank Capital Trust II - Delaware
       225 Park Avenue
       West Springfield, MA 01089

3.     Westbank Capital Trust III - Delaware
       225 Park Avenue
       West Springfield, MA 01089
</TEXT>
</DOCUMENT>