EXHIBIT No. 21

SUBSIDIARIES OF THE REGISTRANT

	Percentage Owned	State of Incorporation
Greene County Bank	100%	Tennessee
Greene County Capital Trust I	100% of Common Securities	Delaware
Greene County Capital Trust II	100% of Common Securities	Delaware

SUBSIDIARIES OF GREENE COUNTY BANK

Superior Financial Services, Inc.	100%	Tennessee
GCB Acceptance Corporation	100%	Tennessee
Fairway Title Company	100%	Tennessee