<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMPANY'S ANNUAL REPORT ON FORM 10-KSB FOR THE FISCAL YEAR ENDED DECEMBER 31,
1998 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-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                          19,576
<INT-BEARING-DEPOSITS>                             228
<FED-FUNDS-SOLD>                                26,400
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     70,317
<INVESTMENTS-CARRYING>                          30,749
<INVESTMENTS-MARKET>                            31,391
<LOANS>                                        288,218
<ALLOWANCE>                                      4,413
<TOTAL-ASSETS>                                 458,703
<DEPOSITS>                                     373,522
<SHORT-TERM>                                    17,667
<LIABILITIES-OTHER>                              4,251
<LONG-TERM>                                     17,151
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           719
<OTHER-SE>                                      43,394
<TOTAL-LIABILITIES-AND-EQUITY>                 458,703
<INTEREST-LOAN>                                 24,241
<INTEREST-INVEST>                                6,493
<INTEREST-OTHER>                                 1,446
<INTEREST-TOTAL>                                32,180
<INTEREST-DEPOSIT>                              14,514
<INTEREST-EXPENSE>                              17,197
<INTEREST-INCOME-NET>                           17,983
<LOAN-LOSSES>                                      702
<SECURITIES-GAINS>                                   6
<EXPENSE-OTHER>                                 10,515
<INCOME-PRETAX>                                  6,470
<INCOME-PRE-EXTRAORDINARY>                       4,353
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,353
<EPS-PRIMARY>                                     6.06
<EPS-DILUTED>                                     6.06
<YIELD-ACTUAL>                                    3.72
<LOANS-NON>                                        707
<LOANS-PAST>                                        18
<LOANS-TROUBLED>                                    85
<LOANS-PROBLEM>                                  8,399
<ALLOWANCE-OPEN>                                 3,914
<CHARGE-OFFS>                                      447
<RECOVERIES>                                       244
<ALLOWANCE-CLOSE>                                4,413
<ALLOWANCE-DOMESTIC>                             3,109
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,304
        

</TABLE>