Exhibit 21



                        SUBSIDIARIES OF THE REGISTRANT



                                                                                    State of Jurisdiction
Subsidiary                                                                            of Incorporation
- ----------------------------------------------------                                ---------------------
                                                                                 
First Midwest Bank, N.A.                                                                   Illinois

First Midwest Insurance Company                                                            Arizona

First Midwest Trust Company, N.A.                                                          Illinois

First Midwest Mortgage Corporation                                                         Illinois

Heritage Bank, N.A.                                                                        Illinois