Relationships	Role	Relationship Start	Relationship End
Citizens First Bancorp, Inc.	Parent	10/1/1982	9/30/1994
Cf Leasing Corp.	Subsidary	4/30/1986	9/30/1994
Citizens First Investment Corp.	Subsidary	10/20/1986	9/30/1994
C.F. Property, Inc.	Subsidary	8/8/1990	9/30/1994
C.F./Curran, Inc.	Subsidary	5/29/1992	9/30/1994
Cfn-Cedar Cove, Inc.	Subsidary	4/6/1992	9/30/1994
C.F.-Ringwood, Inc.	Subsidary	10/1/1992	9/30/1994
Cfnb/Jldm, Inc.	Subsidary	11/25/1992	9/30/1994
Cfn/113 Sterling Ave., Inc.	Subsidary	12/17/1992	9/30/1994
Cfn/1132 Willow Ave., Inc.	Subsidary	12/17/1992	9/30/1994
Cfnb/Gabriel, Inc.	Subsidary	12/30/1992	9/30/1994
Cfnb/Pbn, Inc.	Subsidary	12/30/1992	9/30/1994
Cfnb/Bears Nest, Inc.	Subsidary	12/30/1992	9/30/1994
Cf-Newgard Inc.	Subsidary	1/7/1993	9/30/1994
C.F. Normandy, Inc.	Subsidary	12/31/1993	9/30/1994
Cfnb Hampton Valley, Inc.	Subsidary	6/24/1991	9/30/1994
Murphy Investment Properties Holding Company Inc.	Subsidary	7/31/1991	9/30/1994
Stone Church Properties Holding Company Inc.	Subsidary	7/26/1991	9/30/1994
Saddle Acres Properties Holding Company Inc.	Subsidary	7/26/1991	9/30/1994
Chestnut Ridge Properties Holding Company, Inc.	Subsidary	7/26/1991	9/30/1994
Contempra Property Holding Company I	Subsidary	7/26/1991	9/30/1994
Robins Platinum Properties Company	Subsidary	7/26/1991	9/30/1994
C. F. Financial Corp.	Subsidary	2/6/1984	10/19/1986

Acquisitions & Mergers	Role	Assets	Acct Method	Type	Transaction Date
National Westminster Bank Usa	Buyer	16,661,593		Discontinued	10/1/1994
Bergen State Bank	Seller	139,838		Discontinued	10/1/1983
The State Bank Of North Jersey	Seller	52,454		Discontinued	12/29/1976
Oakland State Bank	Seller	8,554		Discontinued	11/1/1974
Pascack Valley Bank And Trust Company	Seller	40,283		Discontinued	12/1/1973
First National Bank And Trust Company	Seller			Discontinued	2/1/1965
First National Bank Of Allendale	Seller			Discontinued	4/2/1962