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                                                                      Exhibit 21

                  SUBSIDIARIES OF METROPOLITAN FINANCIAL CORP.




                                                                    State of Incorporation/
                                                                    -----------------------
Active                                                                    Organization
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Kimberly Construction Company                                                  Ohio

Metropolitan Bank and Trust Company                                            Ohio

Metropolitan Capital Trust I                                                   Delaware

Inactive
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MetroCapital Corporation                                                       Ohio

Metropolitan Savings Service Corporation                                       Ohio

Metropolitan Securities Corporation                                            Ohio