Exhibit 5.1


                               April 7, 2000

Board of Directors
Exchange National Bancshares, Inc.
132 East High Street
Jefferson City, MO  65101

                          Re:  Exchange National Bancshares, Inc.
                               Registration Statement on Form S-4

Gentlemen:

          We have acted as counsel for Exchange National
Bancshares, Inc., a Missouri corporation ("Exchange National"),
and, at the request of Exchange National, have examined the
registration statement on Form S-4 (the "Registration
Statement"), to be filed on the date hereof, by Exchange National
with the Securities and Exchange Commission under the Securities
Act of 1933, as amended (the "Act"), and the regulations
promulgated thereunder.

          The Registration Statement relates to, among other
things, the registration under the Act of 212,745 shares (the
"Shares") of common stock, $1.00 par value per share, of Exchange
National to be issued in connection with the proposed merger (the
"Merger") of CNS Bancorp, Inc., a Delaware corporation ("CNS
Bancorp") with and into, ENB Holdings, Inc., a Missouri
corporation ("Acquisition Subsidiary"), pursuant to an Agreement
and Plan of Merger, dated as of October 27, 1999 (the "Merger
Agreement"), by and among Exchange National, Acquisition
Subsidiary and CNS Bancorp, all as described in the Registration
Statement.

          In the preparation of this opinion letter, we have
examined originals or copies identified to our satisfaction of
(i) the Articles of Incorporation of Exchange National, as filed
with the State of Missouri; (ii) the Bylaws of Exchange National;
(iii) all resolutions of the Board of Directors of Exchange
National relating to the Merger and the issuance of the Shares
being registered under the Registration Statement; (iv) the
Merger Agreement; and (v) the Registration Statement, including
the exhibits thereto.  We also have examined originals or copies
of such documents, corporate records, certificates of public
officials and other instruments, and have conducted such other
investigations of law and fact, as we have deemed necessary or
advisable for purposes of our opinion.

          As to the matters of fact, we have relied upon the
representations of Exchange National and CNS Bancorp contained in
the Merger Agreement, and, where we have deemed<PAGE>

Exchange National Bancshares, Inc.
April 7, 2000
Page 2

appropriate, representations or certificates of
officers of Exchange National or public officials.  In our
examinations, we have assumed, without investigation, the
genuineness of all signatures, the authenticity of all documents
and instruments submitted to us as originals, the conformity to
the originals of all documents and instruments submitted to us as
certified or conformed copies and the authenticity of the
originals of such copies, the correctness of all certificates,
and the accuracy and completeness of all records, documents,
instruments and materials made available to us by Exchange
National.

          Our opinion is limited to the matters set forth herein
and we express no opinion other than as expressly set forth
herein.  In rendering the opinion set forth below, we do not
express any opinion concerning law other than the federal law of
the United States and the corporate law of the State of Missouri.
Our opinion is expressed as of the date hereof and is based on
laws currently in effect.  Accordingly, the conclusions set forth
in this opinion letter are subject to change in the event that
any laws should change or be enacted in the future. We are under
no obligation to update this opinion letter or to otherwise
communicate with you in the event of any such change.

          Based upon and subject to the foregoing, it is our
opinion that, upon effectiveness of the Registration Statement
and the approval of the Merger Agreement by the shareholders of
CNS Bancorp, the Shares, when issued upon consummation of the
Merger in accordance with the terms of the Merger Agreement
(including compliance with all conditions of the Merger set forth
therein that are not waived by the parities thereto) and the
Registration Statement, will be validly issued, fully paid and
non-assessable.

          We hereby consent to the filing of this opinion letter
as an exhibit to the Registration Statement and to the reference
to our firm under the caption "Legal Matters" in the Proxy
Statement-Prospectus forming a part of the Registration
Statement.  In giving such consent we do not thereby admit that
we are experts or otherwise within the category of persons whose
consent is required under Section 7 of the Act or the rules or
regulations of the Securities and Exchange Commission thereunder.

                              Very truly yours,


                              /s/ STINSON, MAG & FIZZELL, P.C.

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