Exhibit 21.1

SUBSIDIARIES OF REGISTRANT

Subsidiary		Jurisdiction of Organization
Civista Bank		Ohio
First Citizens Insurance Agency, Inc.		Ohio
Water Street Properties, Inc.		Ohio
First Citizens Investments, Inc.		Delaware
CIVB Risk Management, Inc.		Delaware
First Citizens Statutory Trust II		Connecticut
First Citizens Statutory Trust III		Delaware
First Citizens Statutory Trust IV		Delaware
Futura TPF Trust I		Delaware
Futura TPF Trust II		Delaware