EXHIBIT 21.
 
SUBSIDIARIES OF GREENE COUNTY BANCORP, INC.
 
Company
State of Incorporation
Percent Owned
     
The Bank of Greene County
Federal
100.0% owned by Greene County Bancorp, Inc.
Greene County Commercial Bank
New York
100.0% owned by The Bank of Greene County
Greene Property Holdings, Ltd.
New York
100.0% owned by The Bank of Greene County