EXHIBIT 21 - SUBSIDIARIES OF REGISTRANT Jurisdiction of Name Under Which Subsidiary Incorporation Business is Done - ------------------------------------------------------------------------------------------------------------- Horizon Bank, National Association United States Horizon Bank Horizon Trust & Investment Management, National Association United States Horizon Trust & Investment (a subsidiary of Horizon Bank) Management Horizon Insurance Services, Inc. Indiana Horizon Insurance Services (a subsidiary of Horizon Bank) HBC Insurance Group, Inc. Arizona HBC Insurance Company