EXHIBIT 21.1

                    CHANDLER (U.S.A.), INC. AND SUBSIDIARIES


                         SUBSIDIARIES OF THE REGISTRANT



1.  National American Insurance Company, an Oklahoma corporation ("NAICO") that
    is a wholly owned subsidiary of Chandler USA.

2.  Chandler Insurance Managers, Inc., an Oklahoma Corporation ("CIMI") that is
    a wholly owned subsidiary of Chandler USA.

3.  Network Administrators, Inc., a Texas corporation ("Network") that is a
    wholly owned subsidiary of Chandler USA.