EXHIBIT 21--SUBSIDIARIES OF THE REGISTRANT
SUN COMMUNITY BANCORP LIMITED
DECEMBER 31, 1999

                                                                 State or Other
                                                                  Jurisdiction
Name of Subsidiary                                              of Incorporation
- ------------------                                              ----------------
Consolidated Subsidiaries:

Bank of Tucson
  (100% owned by Sun Community Bancorp Limited)                    Arizona

Valley First Community Bank
  (52% owned by Sun Community Bancorp Limited)                     Arizona

Camelback Community Bank
  (55% owned by Sun Community Bancorp Limited)                     Arizona

East Valley Community Bank
  (88% owned by Sun Community Bancorp Limited)                     Arizona

Southern Arizona Community Bank
  (51% owned by Sun Community Bancorp Limited)                     Arizona

Mesa Bank
  (53% owned by Sun Community Bancorp Limited)                     Arizona

Nevada Community Bancorp Limited
  (51% owned by Sun Community Bancorp Limited)                     Nevada

    Desert Community Bank
      (51% owned by Nevada Community Bancorp Limited)              Nevada

    Red Rock Community Bank
      (51% owned by Nevada Community Bancorp Limited)              Nevada

Sunrise Capital Corporation
  (57% owned by Sun Community Bancorp Limited)                     New Mexico

    Sunrise Bank of Arizona
      (100% owned by Sunrise Capital Corporation)                  Arizona

The  following  summarizes   regulatory  agencies  of  the  registrant  and  its
subsidiaries:

Bank subsidiaries  located in the states Arizona and Nevada are  state-chartered
and are  regulated  by banking  agencies  of each of those  states.  Each of the
banking subsidiaries,  as federally-insured  depository  institutions,  are also
regulated  by the  Federal  Deposit  Insurance  Corporation.  As a bank  holding
company,  Sun  Community  Bancorp  Limited is regulated  by the Federal  Reserve
Board,  which also  regulates  its  nonbanking  subsidiaries.  Nevada  Community
Bancorp  Limited and  Sunrise  Capital  Corporation  are also  regulated  by the
Federal  Reserve  Board.  In  addition  to the  bank  regulatory  agencies,  the
registrant  and its  subsidiaries  are subject to  regulation by other state and
federal agencies.