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                                                                      EXHIBIT 21


                          INDEPENDENT BANK CORPORATION
                         Subsidiaries of the Registrant




                                                                               State of Incorporation
                                                                               ----------------------
                                                                            
IBC Capital Finance
    Ionia, Michigan                                                                     Delaware

Independent Bank
    Ionia, Michigan                                                                     Michigan

Independent Bank West Michigan          
    Rockford, Michigan                                                                  Michigan

Independent Bank South Michigan          
    Leslie, Michigan                                                                    Michigan

Independent Bank East Michigan          
    Caro, Michigan                                                                      Michigan

IBC Financial Services, Inc. (a subsidiary of Independent Bank)           
    Ionia, Michigan                                                                     Michigan

Independent Title Services, Inc. (a subsidiary of 
    Independent Bank, Independent Bank West 
    Michigan, Independent Bank South Michigan and 
    Independent Bank East Michigan)          
    Rockford, Michigan                                                                  Michigan

First Home Financial (a subsidiary of Independent Bank)         
    Grand Rapids, Michigan                                                              Michigan

Independent Mortgage Company-Central Michigan           
    (a subsidiary of Independent Bank)          
    South Ionia, Michigan                                                               Michigan

Independent Mortgage Company-West Michigan          
    (a subsidiary of Independent Bank West Michigan)          
    Rockford, Michigan                                                                  Michigan

Independent Mortgage Company-South Michigan          
    (a subsidiary of Independent Bank South Michigan)               
    Leslie, Michigan                                                                    Michigan

Independent Mortgage Company-East Michigan 
    (a subsidiary of Independent Bank East Michigan)          
    Caro, Michigan                                                                      Michigan