Exhibit 21

                    EMC INSURANCE GROUP INC.
                      ORGANIZATIONAL CHART                  

                ...............................
                :                             : 
                :   EMC INSURANCE GROUP INC.  :
                :.............................:
                               :
                               :                                           
                               :                                          
                               :                                         
                               :                                        
      .........................:....................................
      :                  :                     :                   : 
      :                  :                     :                   :
EMCASCO Insurance       EMC                Farm and City          EMC
  Company           Reinsurance              Insurance        Underwriters,
Illinois EMCASCO      Company                 Company             Ltd.
  Insurance Company                                                      
Dakota Fire 
  Insurance Company