Exhibit 21
 SUBSIDIARIES
  Jurisdiction ofIncorporation orName of Subsidiary
    
    OrganizationAlternative Benefit Management, Inc.
    
    NevadaAmerican National County Mutual Insurance Company1
    
    TexasAmerican National General Insurance Company
    
    MissouriAmerican National Insurance Service Company
    
    MissouriAmerican National Life Holdings, Inc.
    
    NevadaAmerican National Life Insurance Company of Texas
    
    TexasAmerican National Life Insurance Company of New York
    
    New YorkAmerican National Lloyds Insurance Company2
    
    TexasAmerican National of Delaware Corporation
    
    DelawareAmerican National Property & Casualty Holdings, Inc.
    
    DelawareAmerican National Property and Casualty Company
    
    MissouriAmerican National Registered Investment Advisor, Inc.
    
    TexasANICO Financial Services, Inc.
    
    TexasAN Stonebriar, Ltd.
    
    TexasAN/CAN Investments, Inc.
    
    CanadaANDV 97, Inc.
    
    TexasANH20, Inc.
    
    TexasANIND TX, Inc.
    
    TexasANPAC General Agency of Texas
    
    TexasANPAC Lloyds Insurance Management, Inc.
    
    TexasANPAC Louisiana Insurance Company
    
    LouisianaANPIN, L.P.
    
    TexasANREINV, Inc.
    
    TexasANREM Corporation
    
    TexasANTAC, Inc.
    
    NevadaComprehensive Investment Services, Inc.
    
    NevadaEagle 99, Inc.
    
    NevadaEagle AN, L.P.
    
    TexasEagle Ind., L.P.
    
    TexasFarm Family Casualty Insurance Company
    
    New YorkFarm Family Financial Services, Inc.
    
    New YorkFarm Family Life Insurance Company
    
    New YorkGalveston Island Water Park, L.P.
    
    TexasGarden State Life Insurance Company
    
    TexasPacific Property and Casualty Company
    
    CaliforniaPCO Battery Brooke Parkway, L.P.
    
    VirginiaPCO Carolina Pines, L.P.
    
    South CarolinaPCO Corporate Drive Limited Partnership
    
    North CarolinaPCO Jenkins Brothers Road, L.P.
    
    South CarolinaPCO Kent Drive, L.P.
    
    GeorgiaPCO Nashville, L.P.
    
    Tennessee
 
 1
    
    Not controlled by ownership, but by
management contract with American National Insurance Company.2
    
    Not controlled by ownership, but by
management contract with ANPAC Lloyds Insurance Management, Inc.




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Jurisdiction ofIncorporation orName of Subsidiary
    
    OrganizationPCO Northfork, L.P.
    
    TennesseePCO Omnicron Court, L.P.
    
    KentuckyPCO Watkins Road, L.P.
    
    North CarolinaPreston 121 Partners, Ltd.
    
    TexasR.A.A.B. of W. Va., Inc.
    
    West VirginiaRural Agency and Brokerage of New Hampshire, Inc.
    
    New HampshireRural Agency and Brokerage, Inc.
    
    New YorkRural Insurance Agency and Brokerage of Massachusetts, Inc.
    
    MassachusettsSouth Shore Harbour Development, Ltd.
    
    TexasStandard Life and Accident Insurance Company
    
    OklahomaStandard Plus, Inc.
    
    TexasUnited Farm Family Insurance Company
    
    New York
 
    
    In addition to the entities shown in this chart, American National Insurance
Company owns a direct or indirect interest in certain joint ventures and limited
partnerships. Such ownership is primarily in connection with real estate investments.
In addition, American National Insurance Company owns several shell companies,
which are currently inactive.