Exhibit 21

      The consolidated subsidiaries of the Registrant at March 1, 2003, were as follows:

						State or Other
						Jurisdiction of
Name					Location	Incorporation
CBI-Kansas, Inc.					Kansas City, MO		Kansas
	Commerce Bank, National Association				Kansas City, MO		United States
		Commerce Brokerage Services, Inc.			Clayton, MO		Missouri
		Commerce Financial Corp.			Clayton, MO		Missouri
		Clayton Holdings, LLC			Kansas City, MO		Missouri
			Clayton Financial Corp.		Clayton, MO		Missouri
				Clayton Realty Corp.	Clayton, MO		Missouri
		Commerce Insurance Services, Inc.			Fenton, MO		Missouri
		Commerce Investment Advisors, Inc.			Kansas City, MO		Missouri
		CBI Leasing, Inc.			Kansas City, MO		Missouri
		Tower Redevelopment Corporation			Kansas City, MO		Missouri
	Breckenridge Capital Trust I				Kansas City, MO		Delaware
	Shawnee State, Inc.				Shawnee, KS		Kansas
	Commerce Bank, National Association				Wichita, KS		United States
		21st Street Redevelopment Company, L.C.			Wichita, KS		Kansas
CBI-Illinois, Inc.					Kansas City, MO		Delaware
	Commerce Bank, National Association				Peoria, IL		United States
		Illinois Financial, LLC			Peoria, IL		Delaware
			Illinois Realty, LLC		Peoria, IL		Delaware
Commerce Bank, National Association					Omaha, NE		United States
CBI Insurance Company					Kansas City, MO		Arizona
CFB Partners II, LLC					Kansas City, MO		Missouri
CFB Venture Fund I, Inc.					Clayton, MO		Missouri
CFB Venture Fund II, L.P.					Kansas City, MO		Missouri
Capital for Business, Inc.					Kansas City, MO		Missouri
Commerce Mortgage Corp.					Kansas City, MO		Missouri
Mid-America Financial Corp.					Kansas City, MO		Missouri
UBI Financial Services, Inc.					Wichita, KS		Kansas