Exhibit 21.1 ------------------ Subsidiaries of the Company o Citrus Bank, N.A. o Citrus Mortgage Corporation




                                  Exhibit 21.1
                               ------------------


                           Subsidiaries of the Company

                      ------------------------------------



                               o  Citrus Bank, N.A.

                               o  Citrus Mortgage Corporation
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Filed: November 20th, 1998
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