EXHIBIT 21.1

                   CHANDLER (U.S.A.), INC. AND SUBSIDIARIES
                        SUBSIDIARIES OF THE REGISTRANT

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

2.  Chandler Insurance Managers, Inc., an Oklahoma corporation that is a
    wholly owned subsidiary of Chandler USA.

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

4.  Chandler Capital Trust I, a Delaware corporation that is a wholly owned
    subsidiary of Chandler USA.

5.  Chandler Capital Trust II, a Delaware corporation that is a wholly owned
    subsidiary of Chandler USA.