EXHIBIT 21

SUBSIDIARIES OF REGISTRANT

Subsidiary	Jurisdiction of Incorporation	Name Under Which Business is Done
HORIZON BANCORP, INC.
Horizon Bank	Indiana	Horizon Bank; Horizon Trust & Investment Management
Horizon Risk Management, Inc.	Nevada	Horizon Risk Management, Inc.
Horizon Bancorp Capital Trust II	Delaware
Alliance Financial Statutory Trust I	Delaware
Horizon Bancorp Capital Trust III	Delaware
Am Tru Statutory Trust I	Connecticut
Heartland (IN) Statutory Trust II	Delaware
City Savings Statutory Trust I	Connecticut
Salin Statutory Trust I	Connecticut
HORIZON BANK OR SUBSIDIARIES
Horizon Insurance Services, Inc.	Indiana	Horizon Insurance Services
Horizon Investments, Inc.	Nevada	Horizon Investments, Inc.
Horizon Properties, Inc.	Maryland	Horizon Properties, Inc.
(a subsidiary of Horizon Investments, Inc.)
Horizon Grantor Trust	Delaware	Horizon Grantor Trust
The Loan Store, Inc.	Indiana	The Loan Store, Inc.
Wolverine Commercial Holdings, LLC	Michigan	Wolverine Commercial Holdings, LLC