<DOCUMENT>
<TYPE>EX-21
<SEQUENCE>10
<FILENAME>ex21.txt
<DESCRIPTION>EXHIBIT 21
<TEXT>
<PAGE>

Yardville National Bancorp Subsidiaries

1.                   Yardville National Bank

2.                   Yardville Capital Trust

3.                   Yardville Capital Trust II

4.                   Yardville Capital Trust III

5.                   Yardville National Investment Corporation
                     (wholly-owned subsidiary of Bank)

6.                   YNB Real Estate Holding Company
                     (wholly-owned subsidiary of Bank)

7.                   Brendan, Inc.
                     (wholly-owned subsidiary of Bank)

8.                   YNB Financial, Inc.
                     (wholly-owned subsidiary of Bank)

9.                   Nancy-Beth, Inc.
                     (wholly-owned subsidiary of Bank)

10.                  YNB Realty, Inc.
                     (wholly-owned subsidiary of Bank)

11.                  Jim Mary, Inc.
                     (wholly-owned subsidiary of Bank)

12.                  YNB Capital Development, Inc.
                     (wholly-owned subsidiary of Bank)


</TEXT>
</DOCUMENT>