EXHIBIT 21

SUBSIDIARIES OF THE CORPORATION

Following is a list of subsidiaries of the Corporation as of December
31, 1994.

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 Mortgage Corporation.......................................................... Missouri
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 Credit Card Bank.............................................................. New Mexico
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 South Central Illinois................................................ 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 North Iowa ........................................................... Iowa
Boatmen's National Bank of Northwest Iowa .............................................. United States
Boatmen's Building Corporation 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
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

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

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 Trust Company................................................................. Missouri
Boatmen's Trust Company of Texas........................................................ Texas
Boatmen's Trust Company of Illinois..................................................... Illinois
Boatmen's Trust Company of Oklahoma..................................................... Oklahoma
Boatmen's Community Development Corporation............................................. Missouri
Boatmen's Service Company, Inc. ........................................................ 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, 1994.