EXHIBIT 21 SUBSIDIARIES OF FIRST NATIONAL OF NEBRASKA. INC. State or Other Jurisdiction of Name Incorporation or Organization 1. First National Bank of Omaha United States (pursuant to the National Bank Act) 2. First National Credit Corporation Nebraska 3. First National Bank South Dakota United States (pursuant to the National Bank Act) 4. MCV Acceptance Corporation Nebraska 5. Credit Card Finance Corporation Nebraska 6. Data Management Products, Inc. Nebraska 7. First National Bank and Trust United States (pursuant to Company of Columbus the National Bank Act) 8. First National Bank (doing United States (pursuant to business as First National the National Bank Act) Bank of Alliance-Chadron- Gering-North Platte-Scottsbluff) 9. Collection Corporation of Nebraska America 10. Platte Valley State Bank & Trust Nebraska (state-chartered bank) Company 11. The Fremont National Bank and Trust United States (pursuant to Company the National Bank Act) 12. First National Services Corporation Nebraska 13. First National Bank of Kansas United States (pursuant to the National Bank Act) 14. First National of Colorado, Inc. Delaware 15. Platte Valley Finance Company Nebraska 16. First Technology Solutions, Inc. Nebraska EXHIBIT 21 (Continued) SUBSIDIARIES OF FIRST NATIONAL BANK OF OMAHA State or Other Jurisdiction of Name Incorporation or Organization 1. First Security Savings Company Nebraska 2. First of Omaha Service Corporation Nebraska 3. EFC, Inc. Nebraska 4. SPC, Inc. Nebraska 5. RPSI, Inc. Nebraska 6. FIS, Inc. Nebraska SUBSIDIARIES OF FIRST NATIONAL OF COLORADO, INC. State or Other Jurisdiction of Name Incorporation or Organization 1. First National Bank United States (pursuant to the National Bank Act) 2. Union Colony Bank Colorado (state-chartered bank) 3. The Bank of Boulder Colorado (state-chartered bank) 4. Professional Career Services, Inc. Colorado