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                                                                    EXHIBIT 22.1
 
                            SUBSIDIARIES OF WESTCORP
 
Western Financial Savings Bank, F.S.B., a federal savings bank
 
Westplan Insurance Agency, a California corporation
 
Western Reconveyance Company, Inc., a California corporation
 
Western Financial Auto Loans, Inc., a California corporation
 
Western Financial Auto Loans 2, Inc., a California corporation
 
Westcorp Financial Services, Inc., a California corporation
 
Western Consumer Services, Inc., a California corporation
 
Westhrift Life Insurance Company, an Arizona corporation
 
Westplan Investments, a California corporation
 
                                      F-31