EXHIBIT 21
SUBSIDIARIES
State or Other
Percentage Jurisdiction
Subsidiaries (1) Owned of Incorporation
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Ameriana Bank and Trust, SB (2) 100% United States
Ameriana Insurance Agency, Inc. (3) 100% Indiana
Ameriana Financial Services, Inc. (3) 100% Indiana
Ameriana Investment Management, Inc (3) 100% Delaware
Family Financial Life Insurance Company (4) 14% Louisiana
Indiana Title Insurance Company, LLC (5) 21% Indiana
Midwest Corporate Tax Credit Fund 6% Indiana
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(1) Operations of the Company's wholly-owned direct subsidiaries, Ameriana
Bank and Trust, SB and Ameriana Bank and Trust, SB's wholly-owned
subsidiaries, Ameriana Insurance Agency, Inc, Ameriana Financial
Services, Inc. and Deer Park Service Corporation, are included in the
Company's consolidated financial statements included in the Annual
Report on Form 10-K.
(2) First-tier subsidiary of the Company.
(3) Second-tier subsidiary of the Company 100% owned by Ameriana Bank and
Trust, SB, a first-tier subsidiary of the Company.
(4) Third-tier subsidiary of the Company 1/7th owned through stock
investment and less than 1/7th owned through partnership
interests of Ameriana Financial Services, Inc., a second-tier
subsidiary of the Company 100% owned by Ameriana Bank and
Trust, SB, a first-tier subsidiary of the Company.
(5) Third-tier subsidiary of the Company owned through investment of
Ameriana Financial Services, Inc. a second-tier subsidiary of the
Company 100% owned by Ameriana Bank and Trust, SB, a first-tier
subsidiary of the Company.