SUBSIDIARIES OF REGISTRANT The following entities are subsidiaries of the Registrant, First Merchants Corporation, as of the date hereof: NAME OF REGISTRANT'S SUBSIDIARY STATE OF INCORPORATION OR ORGANIZATION ------------------------------- -------------------------------------- First Merchants Bank, National Association Under the laws of the United States (also doing business as First Merchants Bank of Hamilton County) 200 East Jackson Street Muncie, Indiana 47305 First United Bank Indiana 709 Mill Street Middletown, Indiana 47356 Pendleton Banking Company Indiana 100 West State Street, Box 210 Pendleton, Indiana 46064 First Merchants Insurance Services, Inc. Indiana 200 East Jackson Street Muncie, Indiana 47305 (a wholly-owned subsidiary of Pendleton Banking Company) The Randolph County Bank Indiana 122 West Washington Street Winchester, Indiana 47394 The Union County National Bank Under the laws of the United States of Liberty 107 West Union, Box 217 Liberty, Indiana 47353 Ex. 21-1