Exhibit 21

                 SUBSIDIARIES OF CASS INFORMATION SYSTEMS, INC.*

Name & Address                                     State of Incorporation
--------------                                     ----------------------

Cass Commercial Bank                               Missouri
13001 Hollenberg Drive
Bridgeton, Missouri   63044

Cass Information Systems, Inc.                     Missouri
13001 Hollenberg Drive
Bridgeton, Missouri 63044

*    Pursuant to Item 601(b)(21)(ii), the names of particular subsidiaries may
     be omitted if the unnamed subsidiaries, considered in the aggregate as a
     single subsidiary, would not constitute a significant subsidiary (as such
     term is defined in Rule 1-02(1.C.) of Regulation S-X) as of the end of the
     year covered by this annual report on Form 10-K.

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