1
EXHIBIT 21

FIRST FINANCIAL BANCORP. SUBSIDIARIES

First National Bank of Southwestern Ohio, organized as a national banking
association under the laws of the United States

Community First Bank & Trust, incorporated in the state of Ohio

Indiana Lawrence Bank, incorporated in the state of Indiana

Fidelity Federal Savings Bank, organized as a federal stock savings bank under
the laws of the United States

Citizens First State Bank, incorporated in the state of Indiana

Union Bank & Trust Company, incorporated in the state of Indiana

The Clyde Savings Bank Company, incorporated in the state of Ohio

Peoples Bank and Trust Company, incorporated in the state of Indiana

Bright National Bank, organized as a national banking association under the laws
of the United States

First Finance Mortgage Company of Southwestern Ohio, Inc.,
incorporated in the state of Ohio

Farmers State Bank, incorporated in the state of Indiana

National Bank of Hastings, organized as a national banking association under the
laws of the United States

Vevay Deposit Bank, incorporated in the state of Indiana

Sand Ridge Bank, incorporated in the state of Indiana

Hebron Deposit Bank, incorporated in the commonwealth of Kentucky

First Financial Bancorp Service Corporation, incorporated in the state of Ohio

Ohio City Holding Company, incorporated in the state of Ohio