Exhibit 21. Subsidiaries of the Registrant

      Interchange Bank (formerly known as Interchange State Bank), and Clover
Leaf Mortgage Company, Inc., both of which are incorporated in New Jersey, are
wholly owned direct subsidiaries of the Registrant.

      Clover Leaf Investment Corporation, Clover Leaf Insurance Agency
Inc.(d/b/a Interchange Insurance Agency), Bridge View Investment Company and
Interchange Capital Company, L.L.C. are incorporated in New Jersey and are
wholly owned direct subsidiaries of Interchange Bank. Clover Leaf Management
Realty Corporation, which is also incorporated in New Jersey, is 99% owned by
Interchange Bank. Bridge View Investment Company has one wholly owned
subsidiary, Bridge View Delaware, Inc. ("BVDI").