Exhibit 21
(Form 10-K)

SUBSIDIARIES OF
CITIZENS BANKING CORPORATION

				Jurisdiction or
	Ownership			Incorporation of
Subsidiaries	Percentage			Organization
Citizens Bank		100	%	Michigan
CB Financial Services, Inc.		100	%	Michigan
Citizens Title Services, Inc.		100	%	Michigan
Citizens Bank Mortgage Company, LLC		1	%	Michigan
Citizens Service Company, Inc.		100	%	Michigan
Citizens Bank Mortgage Company, LLC		99	%	Michigan
Pulaski Capital Corporation		100	%	Nevada
Republic Bank		100	%	Michigan
Republic Management Company, Inc.		100	%	Michigan
Republic Bank Real Estate Finance, LLC		1	%	Michigan
Republic Bank Real Estate Finance, LLC		99	%	Michigan
Quincy Investment Services, Inc.		100	%	Delaware
F&M Bank—Iowa		100	%	Iowa
Security Bancservices Group, Inc.		100	%	Iowa
Citizens Bank Wealth Management, N.A.		100	%	National Association
Citizens Funding Trust I		100	%	Michigan
Republic Capital Trust I		100	%	Delaware