## EXHIBIT 21 

##  

## SUBSIDIARIESOF REGISTRANT

|                                 Subsidiary                       | Place of Incorporation |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|------------------------|
|                                                                                                                                                                                                                                                                                                                                      |                        |
| First Citizens National Bank                                                                                                                                                                                                                                                                                                         | Tennessee              |
| First Citizens Financial Plus, Inc.                                                                                                                                                                                                                                                                                                  | Tennessee              |
| White and Associates/First Citizens Insurance, LLC                                                                                                                                                                                                                                                                                   | Tennessee              |
| First Citizens/White and Associates Insurance Company                                                                                                                                                                                                                                                                                | Arizona                |
| First Citizens Investments, Inc.                                                                                                                                                                                                                                                                                                     | Nevada                 |
| First Citizens Holdings, Inc.                                                                                                                                                                                                                                                                                                        | Nevada                 |
| First Citizens Properties, Inc.                                                                                                                                                                                                                                                                                                      | Maryland               |

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