<PAGE>
Exhibit 21
Subsidiaries of Registrant
<PAGE>
Exhibit 21
Subsidiaries of Registrant
<TABLE>
<CAPTION>
Percentage Jurisdiction or
Subsidiaries (a) of Ownership State of Incorporation
---------------- ------------ ----------------------
<S> <C> <C>
B & L Bank 100% United States
Lafayette County Bank 100% Missouri
B & L Financial Services, Inc. 100% Missouri
B & L Mortgage, Inc. 100% Missouri
</TABLE>
-------------------------
(a) The operations of the Company's subsidiaries are included in the Company's
consolidated financial statements.