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.

     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.