<DOCUMENT>
<TYPE>EX-21
<SEQUENCE>4
<FILENAME>ex21.txt
<DESCRIPTION>EX21- SUBSIDIARIES OF REGISTRANT
<TEXT>
<TABLE>
<CAPTION>
                                                                     Exhibit 21

                                         Subsidiaries of the Registrant
                                         ------------------------------


                                                                                            State or
                                                                          Percent      Other Jurisdiction
Parent Company                            Subsidiary                       Owned        of Incorporation
--------------                            ----------                       -----        ----------------

<S>                            <C>                                      <C>           <C>
WSFS Financial Corporation          Wilmington Savings Fund Society,         100%           United States
                                      Federal Savings Bank
                                    WSFS Capital Trust I                     100%           Delaware

Wilmington Savings Fund             WSFS Reit, Inc                           100%           Delaware
 Society, Federal Savings Bank      WSFS Investment Group, Inc.              100%           Delaware
                                    WSFS Credit Corporation                  100%           Delaware
                                    Wilmington Finance, Inc.                  51%           Delaware


</TABLE>


</TEXT>
</DOCUMENT>