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EXHIBIT (21)

FIRST OF AMERICA BANK CORPORATION LIST OF SUBSIDIARIES AS OF JULY 31, 1994:

Name Place of Incorporation
- ---- ----------------------

First of America Bank - Ann Arbor Michigan
First of America Bank - Central Michigan
First of America Bank - Champaign County, N.A. United States
First of America Bank - Decatur, N.A. United States
First of America Bank - Florida, F.S.B. United States
First of America Bank - Indiana Indiana
First of America Bank - Kankakee/Metro Southwest, N.A. United States
First of America Bank - Northwest Indiana United States
First of America Bank - Northeast Illinois, N.A. United States
First of America Bank - Champion, N.A. United States
First of America Bank - Michigan, N.A. United States
First of America Bank - Mid Michigan, N.A. United States
First of America Bank - Northern Michigan Michigan
First of America Bank - Illinois, N.A. United States
First of America Bank - Quad Cities, N.A. United States
First of America Bank - North Central Illinois, N.A. United States
First of America Bank - Southeast Michigan, N.A. United States
First of America Bank - Springfield, N.A. United States
First of America Bank - Upper Peninsula, N.A. United States
First of America Bank - West Michigan Michigan
First of America Brokerage Service, Inc. Michigan
First of America Community Development
Corporation Michigan
First of America Insurance Company Arizona
First of America Mortgage Company Michigan
First of America Investment Corporation Michigan
First of America Bank Corporation - Indiana Indiana
First of America Trust Company Illinois
First of America Acquisition Company Illinois
FOA Investco - Central, Inc. Michigan
FOA Investco - Champaign, Inc. Michigan
FOA Investco - Illinois, Inc. Michigan
FOA Investco - Indiana, Inc. Michigan
FOA Investco - Northwest Indiana, Inc. Michigan
FOA Investco - Mid Michigan, Inc. Michigan
FOA Investco - Michigan, Inc. Michigan
FOA Investco - Southeast Michigan, Inc. Michigan
FOA Investco - Ann Arbor, Inc. Michigan
FOA Investco - Northern Michigan, Inc. Michigan
FOA Investco - Upper Peninsula, Inc. Michigan
FOA Investco - West Michigan, Inc. Michigan
CNB Investment Company Michigan

FIRST OF AMERICA BANK CORPORATION LIST OF SUBSIDIARIES AS OF JULY 31, 1994:

Name Place of Incorporation
- ---- ----------------------

Frankenmuth Bank & Trust Realty Company Michigan
Commercial National Development Co. Delaware
First of America Information Systems, Inc. Illinois
First of America Securities, Inc. Michigan
FOA Mortgage Company Arizona
SecureData Corporation Michigan