CBES BANCORP INC
10KSB, EX-21, 2000-09-27
STATE COMMERCIAL BANKS
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<PAGE>


                                  EXHIBIT 21
                        SUBSIDIARIES OF THE REGISTRANT
<TABLE>
<CAPTION>


                                                              Percentage     Jurisdiction of
Patent                             Subsidiary                    Owned       Incorporation
--------------------  ------------------------------------  ---------------  ---------------
<S>                   <C>                                   <C>              <C>

CBES Bancorp, Inc.    Community Bank of Excelsior Springs,       100            Federal
                      a Savings Bank

Community Bank of     CBES Service Corporation                   100            Missouri
Excelsior Springs,
a Savings Bank
</TABLE>



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