EXHIBIT 22

                AMBANC CORP. LIST OF SUBSIDIARIES

1.   The American National Bank of Vincennes, Indiana is a wholly-
     owned subsidiary of AMBANC Corp. and is a national banking
     association.

2.   Citizens' National Bank of Linton, Indiana is a wholly-owned
     subsidiary of AMBANC Corp. and is a national banking
     association.

3.   Bank of Casey, Illinois, is a wholly-owned subsidiary of
     AMBANC Corp. and is an Illinois state-chartered banking
     association.

4.   The First National Bank in Robinson is a wholly-owned
     subsidiary of AMBANC Corp. and is a national banking
     association.

5.   American National Realty Corp. is a wholly-owned subsidiary of
     AMBANC Corp. and is incorporated under the laws of the State
     of Indiana.

6.   Lincolnland Insurance Agency & Investments, Inc., is a wholly-
     owned, non-operating subsidiary of AMBANC Corp., which was
     acquired in connection with the Bank of Casey acquisition.