EXHIBIT 22

      Security  Capital Bancorp  has six  wholly-owned subsidiaries:   Security
Bank and Trust  Company, a North  Carolina commercial bank;  OMNIBANK, Inc.,  A
State  Savings Bank,  a North  Carolina savings  bank; Citizens  Savings, Inc.,
SSB,  a North  Carolina savings  bank; Home  Savings Bank,  Inc., SSB,  a North
Carolina   savings  bank;   First  Cabarrus   Corporation,  a   North  Carolina
corporation;   and,  Estates   Development   Corporation,   a  North   Carolina
corporation.  Security  Bank and Trust Company has one wholly-owned subsidiary,
First Security Credit  Corporation, a North Carolina corporation operating as a
consumer finance company.