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                                                                     EXHIBIT 21

                    SUBSIDIARIES OF THE CORPORATION


  Following is a list of subsidiaries of the Corporation.


                                                                                                             STATE OR OTHER
                                                                                                            JURISDICTION OF
                               SUBSIDIARY                                                                    INCORPORATION
                               ----------                                                                   ---------------

                                                                                                          
                  Boatmen's National Bank of Belleville...................................................   United States
                  Boatmen's First National Bank of Kansas City............................................   United States
                  Boatmen's Bank of Southern Missouri.....................................................   Missouri
                  The Boatmen's National Bank of St. Louis................................................   United States
                  Boatmen's National Bank of Boonville....................................................   United States
                  Boatmen's Bank of Butler................................................................   Missouri
                  Boatmen's National Bank of Cape Girardeau...............................................   United States
                  Boatmen's National Bank of Central Illinois.............................................   United States
                  Boatmen's National Bank of Charleston...................................................   United States
                  Boatmen's Bank of Delaware..............................................................   Delaware
                  Boatmen's Bank of Franklin County.......................................................   Illinois
                  Boatmen's Bank of Kennett...............................................................   Missouri
                  Boatmen's National Bank of Lebanon......................................................   United States
                  Boatmen's Bank of Marshall..............................................................   Missouri
                  Boatmen's Bank of Mid-Missouri..........................................................   Missouri
                  Boatmen's Bank of Mt. Vernon............................................................   Illinois
                  Boatmen's Bank of Nevada................................................................   Missouri
                  Boatmen's First National Bank of Oklahoma...............................................   United States
                  Boatmen's Bank of Pulaski County........................................................   Missouri
                  Boatmen's Bank of Quincy................................................................   Illinois
                  Boatmen's River Valley Bank.............................................................   Missouri
                  Boatmen's Bank of Rolla.................................................................   Missouri
                  Boatmen's Bank of Southwest Missouri...................................................    Missouri
                  Boatmen's Bank of Tennessee.............................................................   Tennessee
                  Boatmen's Bank of Troy..................................................................   Missouri
                  Boatmen's Bank of Vandalia..............................................................   Missouri
                  Boatmen's First National Bank of West Plains............................................   United States
                  Superior Federal Bank, F.S.B. ..........................................................   United States
                  Boatmen's Bancshares of Iowa, Inc. .....................................................   Iowa
                  Boatmen's Bank Iowa, N.A. ..............................................................   United States
                  Boatmen's Bank of Fort Dodge ...........................................................   Iowa
                  Boatmen's Bank of Kalona ...............................................................   Iowa
                  Boatmen's Bank of Marengo ..............................................................   Iowa
                  Boatmen's Bank of North Iowa ...........................................................   Iowa
                  Boatmen's National Bank of Northwest Iowa ..............................................   United States
                  Boatmen's Bank of Sigourney ............................................................   Iowa
                  Boatmen's Bank of Sioux City ...........................................................   Iowa
                  Boatmen's Building Corporation of Iowa, Inc. ...........................................   Iowa
                  Boatmen's Information Systems of Iowa, Inc. ............................................   Iowa
                  FKF, Inc. ..............................................................................   Iowa
                  Boatmen's Kansas, Inc. .................................................................   Kansas
                  Boatmen's Bank of Kansas ...............................................................   Kansas
                  Boatmen's Texas, Inc. ..................................................................   Missouri
                  Boatmen's First National Bank of Amarillo ..............................................   United States
                  Eighth and Taylor Corp. ................................................................   Texas
                  Boatmen's Oklahoma, Inc. ...............................................................   Missouri
                  Boatmen's Sunwest, Inc. ................................................................   New Mexico


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                                                                                                             STATE OR OTHER
                                                                                                            JURISDICTION OF
                               SUBSIDIARY                                                                    INCORPORATION
                               ----------                                                                   ---------------

                  Sunwest Bank of Albuquerque, N.A. ......................................................   United States
                  Sunwest Bank of Clovis, N.A. ...........................................................   United States
                  Sunwest Bank of Farmington .............................................................   New Mexico
                  Sunwest Bank of Gallup .................................................................   New Mexico
                  Sunwest Bank of Grant County ...........................................................   New Mexico
                  Sunwest Bank of Hobbs, N.A. ............................................................   United States
                  Sunwest Bank of Las Cruces, N.A. .......................................................   United States
                  Sunwest Bank of Raton, N.A. ............................................................   United States
                  Sunwest Bank of Rio Arriba, N.A. .......................................................   United States
                  Sunwest Bank of Roswell, N.A. ..........................................................   United States
                  Sunwest Bank of Santa Fe ...............................................................   New Mexico
                  Sunwest Bank of El Paso ................................................................   Texas
                  Security Bancshares, Inc. ..............................................................   Oklahoma
                  Catoosa Bancshares, Inc. ...............................................................   Oklahoma
                  Founders Bancorporation, Inc. ..........................................................   Oklahoma
                  Boatmen's Insurance Agency, Inc. .......................................................   Missouri
                  Boatmen's Life Insurance Company........................................................   Missouri
                  Boatmen's Mortgage Corporation..........................................................   Missouri
                  Boatmen's Trust Company.................................................................   Missouri
                  Boatmen's Community Development Corporation.............................................   Missouri
                  Boatmen's Service Company, Inc. ........................................................   Missouri
                  Tyler International Sales, Inc. ........................................................   U.S. Virgin
                                                                                                             Islands
                  Credit Systems, Incorporated (44% stock ownership)......................................   Delaware
                  Monetary Transfer System (Joint Venture-40.0%)..........................................   Missouri


  The Corporation's subsidiaries do business only under their names as
listed above.

  The Corporation's indirect subsidiaries not listed, if considered in
the aggregate as a single subsidiary, would not constitute a
significant subsidiary at December 31, 1993.