Exhibit 21.1 ------------ SUBSIDIARIES OF ANB Name of Subsidiary State of Organization National Bank of Commerce of Birmingham................ National Bank NBC Securities, Inc............................... Alabama Bank of Dadeville...................................... Alabama Ashland Insurance, Inc............................ Alabama Alabama Exchange Bank.................................. Alabama Tuskegee Loan Company, Inc........................ Alabama First Gulf Bank........................................ Alabama First Citizens Bank, National Association.............. National Bank Clay County Finance Company, Inc.................. Alabama First American Bank.................................... Alabama Corporate Billing, Inc............................. Alabama First Allegiance Mortgage, Inc..................... Alabama Citizens and Peoples Bank, N.A......................... National Bank Public Bank............................................ Florida Georgia State Bank..................................... Georgia Community Bank of Naples, N.A.......................... National Bank