Exhibit 21

SUBSIDIARIES OF THE REGISTRANT

The following is a list of all subsidiaries of the Registrant.

	Jurisdiction of
Name	Incorporation

Sandy Spring Capital Trust II		Delaware
Sandy Spring Bank		Maryland
	Sandy Spring Insurance Corporation t/a Chesapeake Insurance Group*	Maryland
	The Equipment Leasing Corporation*	Maryland
	West Financial Services, Inc.*	Maryland
	Sandy Spring Mortgage Corporation* (non-operating)	Maryland

* Direct subsidiaries of Sandy Spring Bank