<DOCUMENT>
<TYPE>EX-21
<SEQUENCE>5
<FILENAME>k67935ex21.txt
<DESCRIPTION>SUBSIDIARIES OF THE COMPANY
<TEXT>
<PAGE>


                                                                      EXHIBIT 21

                           SUBSIDIARIES OF THE COMPANY

                                                              State or County
                  Name of Subsidiary                          of Incorporation

                  Southern Michigan Bank & Trust              Michigan

                  SMB&T Financial Services, Inc.              Michigan

                  SMB Mortgage Company                        Michigan

Southern Michigan Bancorp, Inc. is the immediate parent and owns 100% of the
outstanding shares of Southern Michigan Bank & Trust. Southern Michigan Bank &
Trust is the immediate parent and owns 100% of the outstanding shares of SMB&T
Financial Services, Inc. and SMB Mortgage Company.


                              Exhibit 21 - Page 1

</TEXT>
</DOCUMENT>