Relationships	Role	Relationship Start	Relationship End
Ramapo Financial Corporation	Parent	4/1/1974	6/11/1999
Rfc High Ridge, Inc.	Subsidary	7/1/1993	6/11/1999
Rfc High Debi Hills, Inc.	Subsidary	7/1/1993	6/11/1999
Rfc Center Plaza, Inc.	Subsidary	7/1/1993	6/11/1999
Rfc Jefferson, Inc.	Subsidary	9/29/1992	6/11/1999
Ramapo Investment Corporation	Subsidary	1/1/1988	6/11/1999
Rfc Deer Trail Development, Inc.	Subsidary	1/1/1993	6/11/1999
Rfc National, Inc.	Subsidary	4/1/1993	3/25/1999
Rfc Harmony Park, Inc.	Subsidary	4/1/1993	3/25/1999
Rfc Ckn, Inc.	Subsidary	7/1/1993	12/31/1997

Acquisitions & Mergers	Role	Assets	Acct Method	Type	Transaction Date
Valley National Bank	Buyer	22,312,256	Pooling of Interests	Discontinued	6/12/1999
Pilgrim State Bank	Seller	126,261		Discontinued	6/30/1993