EXHIBIT 21
SUBSIDIARIES OF REGISTRANT
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Listed below are the names and states of incorporation or
jurisdiction of organization of each of Registrant's subsidiaries.
Each subsidiary does business only under its official name or an
abbreviated form of its official name, except BANK IV Kansas,
National Association, carries on its credit card and debit card
activities under the names "KBC Card Services" and Fourth Financial
Card Company" and carries on its residential mortgage origination
and servicing activities under the name "BANK IV Mortgage Company".
Name State or Jurisdiction
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Subsidiaries of Registrant
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BANK IV Kansas, National Association United States
BANK IV Oklahoma, National Association United States
BANK IV Missouri, National Association United States
IV Commercial Acquisition, Inc. Kansas
Fourth Financial Insurance Company Arizona
Southgate Trust Company Kansas
Fourth Investment Advisors, Inc. Oklahoma
BANK IV Community Development Corporation Kansas
Blackwell Security Bancshares, Inc. Oklahoma
Subsidiaries of BANK IV Kansas
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OA Management, Inc. Kansas
CSI Holdings, Inc. Kansas
Townsite Plaza Development, Inc. Kansas
BANC IV Investments, Inc. Kansas
BANK IV Securities, Inc. Kansas
Subsidiaries of BANK IV Oklahoma
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Quatro I, Inc. Oklahoma
Health Concepts Recovery Centers, Inc. Oklahoma
Subsidiaries of IV Commercial Acquisition, Inc.
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IV CB&T-Tulsa Holdings, Inc. Oklahoma