SUBSIDIARIES OF THE REGISTRANT (AS OF MARCH 7, 1999) STATE OF NAME INCORPORATION The German American Bank Indiana GAB Mortgage Corp Indiana German American Holdings Corporation Indiana Citizens State Bank Indiana First State Bank, Southwest Indiana Indiana Peoples National Bank United States of America Peoples Investment Center, Inc. Indiana The Doty Agency, Inc. Indiana First Federal Bank, A Federal Savings Bank United States of America First Financial Insurance Agency, Inc. Indiana First Title Insurance Company Indiana