EXHIBIT 21

                         Subsidiaries of the Registrant



Name                                                                   State of Incorporation
- ----                                                                   ----------------------
                                                                    
First-Citizens Bank and Trust Company of South Carolina                South Carolina

Exchange Bank of South Carolina, Inc.                                  South Carolina

FCB/SC Capital Trust I                                                 Delaware

Subsidiaries of First-Citizens Bank & Trust Of South Carolina

Name                                                                   State of Incorporation
- ----                                                                   ----------------------

First Citizens Mortgage Corporation (Inactive)                         South Carolina

Wateree Enterprises                                                    South Carolina