<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMPANY'S ANNUAL REPORT ON FORM 10-K FOR THE FISCAL YEAR ENDED DECEMBER 31, 1999
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<CIK> 0000893847
<NAME> EXCHANGE NATIONAL BANCSHARES, INC.
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                          21,515
<INT-BEARING-DEPOSITS>                             736
<FED-FUNDS-SOLD>                                10,350
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     90,972
<INVESTMENTS-CARRYING>                          20,265
<INVESTMENTS-MARKET>                            20,226
<LOANS>                                        326,229
<ALLOWANCE>                                      4,765
<TOTAL-ASSETS>                                 494,946
<DEPOSITS>                                     381,020
<SHORT-TERM>                                    27,643
<LIABILITIES-OTHER>                              3,886
<LONG-TERM>                                     26,451
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,219
<OTHER-SE>                                      54,729
<TOTAL-LIABILITIES-AND-EQUITY>                 494,946
<INTEREST-LOAN>                                 25,295
<INTEREST-INVEST>                                5,923
<INTEREST-OTHER>                                 1,031
<INTEREST-TOTAL>                                32,249
<INTEREST-DEPOSIT>                              13,535
<INTEREST-EXPENSE>                              16,225
<INTEREST-INCOME-NET>                           16,024
<LOAN-LOSSES>                                      910
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 11,527
<INCOME-PRETAX>                                  6,535
<INCOME-PRE-EXTRAORDINARY>                       4,464
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,464
<EPS-BASIC>                                       4.13
<EPS-DILUTED>                                     4.13
<YIELD-ACTUAL>                                    3.85
<LOANS-NON>                                      1,539
<LOANS-PAST>                                        22
<LOANS-TROUBLED>                                   132
<LOANS-PROBLEM>                                  6,969
<ALLOWANCE-OPEN>                                 4,413
<CHARGE-OFFS>                                      734
<RECOVERIES>                                       176
<ALLOWANCE-CLOSE>                                4,765
<ALLOWANCE-DOMESTIC>                             3,287
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,478


</TABLE>