EXHIBIT 21

SUBSIDIARIES OF THE REGISTRANT

Parent

The Community Financial Corporation

	Percentage			State of
Subsidiary	Owned			Incorporation
Community Bank of the Chesapeake		100	%	Maryland
Tri-County Capital Trust I		100	%	Delaware
Tri-County Capital Trust II		100	%	Delaware
Subsidiaries of Community Bank of the Chesapeake
Community Mortgage Corporation of Tri-County		100	%	Maryland