1
                                                                EXHIBIT 21.1


                

                              LIST OF SUBSIDIARIES



1.   UnionBank, an Illinois state bank with its main office located in
     Streator, Illinois

2.   UnionBank/Sandwich, an Illinois state bank with its main office located
     in Sandwich, Illinois

3.   Prairie Acquisition Corporation, an Illinois corporation, and its
     subsidiaries:

     a.   Farmers State Bank of Ferris, an Illinois state bank
          with its main office located in Carthage, Illinois
     
     b.   Hanover State Bank, an Illinois state bank with its
          main office located in Hanover, Illinois
     
     c.   Bank of Ladd, an Illinois state bank with its main
          office located in Ladd, Illinois
     
     d.   First National Bank of Manlius, a national bank with
          its main office located in Manlius, Illinois
     
     e.   Tampico National Bank, a national bank with its main
          office located in Tampico, Illinois
     
     f.   Tiskilwa State Bank, an Illinois state bank with its
          main office located in Tiskilwa, Illinois

4.   UnionData Corp, Inc., a Delaware corporation

5.   Union Corporation, an Illinois corporation

6.   LaSalle County Collections, Inc., an Illinois corporation

7.   Country Bancshares, Inc., an Illinois corporation (to be acquired on or
     about the date of this Offering), and its subsidiary:

            Omni Bank, an Illinois state bank with its main office in
            Macomb, Illinois