EXHIBIT 21 -- SUBSIDIARIES OF THE REGISTRANT

      First Financial Bank N.A. is a wholly-owned subsidiary of the Registrant.
It is an national banking association. It is an Indiana corporation. The bank
conducts its business under the name of First Financial Bank N.A.

      First Crawford State Bank is a wholly-owned subsidiary of the Registrant.
It is an Illinois corporation. The bank conducts its business under the name of
First Crawford State Bank.

      The Morris Plan Company is a wholly-owned subsidiary of the Registrant. It
is an Indiana corporation. The company conducts its business under the name of
The Morris Plan Company of Terre Haute, Inc.

      Forrest Sherer, Inc., is a wholly-owned subsidiary of the Registrant. It
is an Indiana corporation. It is a full-line insurance agency and conducts its
business under the name Forrest Sherer, Inc.

      First Community Bank is a wholly-owned subsidiary of the Registrant. It is
a national banking association. It is an Illinois corporation. The bank conducts
its business under the name of First Community Bank N.A.