1 EXHIBIT 21.1 SUBSIDIARIES OF ANB NAME OF SUBSIDIARY STATE OF ORGANIZATION - ------------------ --------------------- National Bank of Commerce of Birmingham..................... National Bank NBC Securities, Inc....................................... Alabama Bank of Dadeville........................................... Alabama Ashland Insurance, Inc.................................... Alabama Alabama Exchange Bank....................................... Alabama Tuskegee Loan Company, Inc................................ Alabama Gulf Bank................................................... Alabama First National Bank of Ashland.............................. National Bank Clay County Finance Company, Inc.......................... Alabama Citizens Bank of Talladega.................................. Alabama First Bank of Baldwin County................................ Alabama 1