EXHIBIT 21





BANK ONE CORPORATION Subsidiaries





As of December 31, 2001, the Corporation had
the subsidiaries listed below, all of which were wholly-owned except for directors qualifying shares or as otherwise indicated.











Names of Subsidiaries

Jurisdiction of OrganizationAffiliated Banks Building Co.

ColoradoAmerican Fletcher Realty Corporation

IndianaAmerican National Bank and Trust Company of Chicago

United StatesAmerican National Corporation

DelawareBank One Exchange Corporation

IllinoisConquest Air, LLC

DelawareWilliams Citation Exchange, LLC

DelawareMidwest Audit Services, Inc.

IllinoisBanc One ABS Corporation

OhioBanc One Arizona Investment Corporation

ArizonaBanc One Building Management Corporation

WisconsinBanc One Capital Holdings Corporation

OhioBanc One Capital Funding Corporation

OhioBanc One Capital Services Corporation

OhioBanc One Management and Consulting Corporation

OhioBanc One Asset Solutions Corporation

TexasBonnet Resources Corporation

OhioBanc One Securities Corporation

OhioBOCP Holdings Corporation

OhioBanc One Capital Partners III, Ltd. (81%)

OhioBanc One Capital Partners IV, Ltd. (80%)

OhioBanc One Capital Partners V, Ltd. (81%)

OhioBanc One Capital Partners VI, Ltd. (81%)

OhioBanc One Capital Partners VII, Ltd. (82%)

OhioBOCP Energy Partners, L.P. (99%)

OhioBanc One Capital Partners VIII, Ltd. (83%)

OhioBanc One Capital Partners IX, LLC (80%)

OhioBanc One Capital Partners X, Ltd. (85%)

OhioBanc One Capital Partners XI, Ltd.

OhioBanc One Capital Partners BC, LLC (80%)

OhioBanc One Capital BIDCO  1998, LLC

LouisianaBanc One Capital Partners Holdings, Ltd. (85%)

OhioBanc One Capital Partners, LLC

Delaware




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Names of Subsidiaries

Jurisdiction of OrganizationBanc One Capital Partners II, LLC

DelawareBOCF, LLC (80%)

DelawareBOCNY, LLC

DelawareBOCP II Limited Liability Company (80%)

OhioBOME Investors, Inc.

DelawareBOME Investors II, LLC

DelawareBOME Investors III, LLC

DelawareFirst Commerce Capital, Inc.

LouisianaTax Credit Acquisitions, LLC

OhioTax Credit Acquisitions II, LLC

OhioBanc One Financial Corporation

DelawareBanc One Capital Corporation

DelawareFirst Chicago Capital Corporation

DelawareFirst Chicago Hemispheres Corporation

Cayman IslandsFirst Chicago Equity Corporation

IllinoisFirst Chicago Investment Corporation

DelawareOEP Holding Corporation

DelawareOne Equity Partners  Europe

GermanyOne Equity Partners, LLC

DelawareFirst Chicago Leasing Corporation

DelawareBanc One Capital Management LLC

DelawareBanc One Capital Markets, Inc.

DelawareBanc One Hedging Services Corporation

DelawareBanc One Leasing Services Corporation

DelawareBond Securitization LLC

DelawareBanc One Insurance Company

VermontBanc One Kentucky Insurance Company

KentuckyBanc One Life Insurance Company

ArizonaBanc One Management Corporation

OhioBanc One Deferred Benefits Corporation

OhioBanc One Risk Management Company

DelawareBanc One Mezzanine Corporation

DelawareBanc One Neighborhood Development Corporation

OhioBanc One Community Development/Wisconsin Corporation

OhioBanc One Realty Columbus Corporation

OhioBanc One Student Loan Funding Corporation

OhioBank One, Colorado, National Association

United StatesBanc One Denver Leasing Services Corporation

ColoradoBOCOL IHC, inc.

NevadaBank One, Dearborn, National Association

United StatesBank One, Illinois, National Association

United StatesBOILL IHC, Inc.

NevadaBank One, Indiana, National Association

United StatesBanc One Equipment Finance, Inc.

IndianaIndiana LLC 1 (99%; 1% owned by the Corporation)

Indiana




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Names of Subsidiaries

Jurisdiction of OrganizationBIL International Holdings, Inc.

IndianaBO  UA FSC, Inc.

US Virgin IslandsBO  FE FSC, Inc.

US Virgin IslandsBOIND IHC, Inc.

NevadaNBD Indiana Properties, Inc.

IndianaNBD Leasing, Inc.

IndianaBank One, Kentucky, National Association

United StatesBanc One Kentucky Leasing Corporation

KentuckyBanc One Kentucky Vehicle Leasing Company

KentuckyLiberty Payment Services, Inc.

KentuckyLiberty Properties Incorporated

KentuckyBank One, Michigan

MichiganBanc One Realty Advisors, Inc.

DelawareBOM ComLoan, Inc.

NevadaFirst Chicago NBD Auto Lease Corporation

DelawareNBD Equipment Finance, Inc.

DelawareBank One, National Association (Chicago)

United StatesAnexsys, Holdings, Inc.

DelawareAnexsys, LLC (64%)

IllinoisBanc One Arizona Leasing Corporation

ArizonaBanc One AutoLease LTD.

DelawareBanc One Brokerage International Corporation

DelawareBanc One Building Corporation

IllinoisBanc One Community Development Corporation

DelawareBanc One Currency Advisors, Inc.

IllinoisBanc One Leasing Corporation

OhioBanc One Louisiana Leasing Corporation

LouisianaBanc One National Processing Corporation

DelawareBanc One Operations Services Corporation

ArizonaBanc One Project Resources International, Inc.

DelawareBanc One Real Estate Investment Corp.

DelawareBank One Canada

CanadaBank One Delaware Inc.

DelawareBank One Equity Investors, Inc.

LouisianaBank One ICS, Inc.

DelawareBank One International Corporation

United StatesBank One International Holdings Corporation

United StatesB  ONE Australia Limited

AustraliaBank One Capital Markets Ltd.

United KingdomBank One Leasing (UK) Limited

United KingdomBank One (Mexico), S.A.

MexicoBOHK Limited

Hong KongBOIC Asia Limited

Hong KongBOL Canada I, Inc.

Delaware




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Names of Subsidiaries

Jurisdiction of OrganizationBOL (C) II, Inc.

DelawareBOL Canada III, Inc.

DelawareCreatedesign Limited

WalesFirst Chicago Asia Holdings Ltd.

Cayman IslandsFirst Chicago Brazil Investments, Inc.

DelawareFirst Chicago Chile Investments, Inc.

DelawareBOAZ IHC, Inc.

NevadaBONA Capital II, LLC

DelawareFC Energy Finance I, Inc.

DelawareFC Energy Finance II, Inc.

DelawareAntrim 1998, LLC (99%)

DelawareFCNBD Mortgage Investments, Inc.

DelawareFCNBD Technology Holdings, Inc.

DelawareFirst Commerce Community Development Corporation

LouisianaCabbage Alley Partnership, a Louisiana Limited Partnership

LouisianaFNBC Leasing Corporation

DelawareLuke FSC, Ltd.

BermudaOrleans Street FSC, Inc.

US Virgin IslandsFNBC Properties Inc.

DelawareGlobal Trading Operations, Inc.

DelawarePremier Investment Advisors, L.L.C. (99.99%; 0.01% owned by Premier LLC, Inc.)

LouisianaPremier LLC, Inc.

LouisianaRIVERe Holding Corporation

DelawareOneLevelUp.com, LLC

DelawareTeam Life Insurance Company

TexasTexas Asset Acquisition Corp.

NevadaTexas Investment Holding Corporation

NevadaValley Bank Building, Inc.

ArizonaValley National Investors, Inc.

ArizonaWashington Street Foods, Inc.

ArizonaBank One, National Association (Ohio)

United StatesBanc One Acceptance Corporation

OhioBox Leasing Corporation

OhioBanc One Interactive Delivery Corporation

OhioBanc One Investment Advisors Corporation

OhioBanc One Private Mortgage Insurance Company, Inc.

MaineBanc One POS Services Corporation

OhioFDC Offer Corporation (54.8%)

DelawarePaymentech, Inc.

DelawarePaymentech Management Resources, Inc.

DelawarePaymentech Employee Resources LLC

DelawareBanc One Services Corporation

OhioBanc One Financial Card Services Corporation

Ohio




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Names of Subsidiaries

Jurisdiction of OrganizationCongress Life Insurance Company

DelawareBank One, Oklahoma, National Association

United StatesLiberty Property Management Company

OklahomaBank One Texas, National Association

United StatesBanc One Texas Leasing Corporation

TexasGP Holder, Inc.

TexasBank One Trust Company, National Association

United StatesBank One, West Virginia, National Association

United StatesBank One, Wheeling-Steubenville, National Association

United StatesBanc One Loan Services Corporation

PennsylvaniaThe One Benefit Source

WisconsinBank One, Wisconsin

WisconsinBanc One Insurance Agency, Inc.

WisconsinBanc One Wisconsin Investment Services Corporation

WisconsinBanc One Wisconsin Leasing Corporation

WisconsinMilwaukee Investment Holding Company

NevadaBOI Leasing Corporation

IndianaBOTRCN Corporation

DelawareCongress Insurance Agency, Inc.

ArizonaFCTC General, Inc.

DelawareFinance One Corporation

OhioBanc One Financial Services, Inc.

IndianaBanc One Consumer Discount Company, A Non-banking

IndianaAffiliate of Bank One CorporationBanc One Financial Services of Minnesota, Inc.

MinnesotaBanc One Financial Services of New York, Inc.

New YorkBanc One Financial Services of Tennessee, Inc.

TennesseeBanc One Financial Services of West Virginia, Inc.

West VirginiaFirst Chicago Acquisition Corporation V

DelawareFirst Chicago Realty Services Corporation

DelawareFirst Chicago Trust Company of New York

New YorkFirst USA Bank, National Association.

United StatesBank One Europe Limited

United KingdomFirst USA Services, Inc.

DelawareFirst USA Management Services, Inc.

DelawareFirst USA Securitization Corporation

DelawareFNW Capital, Inc.

IllinoisMid-America Credit Life Assurance Company

OklahomaMid-America Insurance Agency, Inc.

OklahomaNBD Community Development Corporation

MichiganNBD Equity Corp.

MichiganNBD Neighborhood Revitalization Corporation

IndianaOne Group Dealer Services, Inc.

DelawareOne Group Administrative Services, Inc.

Delaware




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Names of Subsidiaries

Jurisdiction of OrganizationThe One Services Corporation

MichiganB-1 Life Reinsurance International Limited

IrelandSterling Assurance Company

Vermont





The names of certain other subsidiaries of the Corporation have been omitted
because such subsidiaries, considered in the aggregate, would not constitute a significant subsidiary.




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