EXHIBIT 21

SUBSIDIARIES OF REGISTRANT

Subsidiary		Jurisdiction of Incorporation		Name Under Which Business is Done
HORIZON BANCORP, INC.
Horizon Bank		Indiana		Horizon Bank; Horizon Trust & Investment Management
Horizon Risk Management, Inc.		Nevada		Horizon Risk Management, Inc.
Horizon Bancorp Capital Trust II		Delaware
Alliance Financial Statutory Trust I		Delaware
Horizon Bancorp Capital Trust III		Delaware
Am Tru Statutory Trust I		Connecticut
Heartland (IN) Statutory Trust II		Delaware
City Savings Statutory Trust I		Connecticut
Salin Statutory Trust I		Connecticut
HORIZON BANK OR SUBSIDIARIES
Horizon Insurance Services, Inc.		Indiana		Horizon Insurance Services
Horizon Investments, Inc.		Nevada		Horizon Investments, Inc.
Horizon Properties, Inc.		Maryland		Horizon Properties, Inc.
(a subsidiary of Horizon Investments, Inc.)
Horizon Grantor Trust		Delaware		Horizon Grantor Trust
The Loan Store, Inc.		Indiana		The Loan Store, Inc.
Wolverine Commercial Holdings, LLC		Michigan		Wolverine Commercial Holdings, LLC