Exhibit 21

                 SUBSIDIARIES OF CASS INFORMATION SYSTEMS, INC.*

Name & Address                                     State of Incorporation
- --------------                                     ----------------------

Cass Commercial Bank                               Missouri
13001 Hollenberg Drive
Bridgeton, Missouri   63044

Cass Information Systems, Inc.                     Missouri
13001 Hollenberg Drive
Bridgeton, Missouri  63044

*Pursuant to Item 601(b) (21) (ii), the names of particular subsidiaries may be
omitted if the unnamed subsidiaries, considered in the aggregate as a single
subsidiary, would not constitute a significant subsidiary (as such term is
defined in Rule 1-02 (W) of Regulation S-X) as of the end of the year covered by
this annual report on Form 10-K.