Exhibit 21

Subsidiaries of the Registrant

     The subsidiaries of the Registrant and the Registrant’s ownership percentage is listed below:

     Dearborn Bancorp, Inc. (the Registrant), Dearborn MI

owns 100% of Dearborn Bancorp Trust I, Dearborn MI
and
owns 100% of
Fidelity Bank, Dearborn MI

owns 100% of
Community Bank Audit Services, Inc., Dearborn MI
and
Community Bank Insurance Agency, Inc., Dearborn MI

owns 8.75% of
Michigan Bankers Title of East Michigan, LLC, Lansing MI