<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMPANY'S QUARTERLY REPORT ON FORM 10-Q FOR THE QUARTERLY PERIOD ENDED MARCH
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>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                          13,694
<INT-BEARING-DEPOSITS>                             254
<FED-FUNDS-SOLD>                                30,100
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     71,661
<INVESTMENTS-CARRYING>                          28,807
<INVESTMENTS-MARKET>                            29,333
<LOANS>                                        288,234
<ALLOWANCE>                                      4,567
<TOTAL-ASSETS>                                 456,470
<DEPOSITS>                                     367,950
<SHORT-TERM>                                    20,092
<LIABILITIES-OTHER>                              4,613
<LONG-TERM>                                     17,151
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           719
<OTHER-SE>                                      45,944
<TOTAL-LIABILITIES-AND-EQUITY>                 456,470
<INTEREST-LOAN>                                  5,924
<INTEREST-INVEST>                                1,402
<INTEREST-OTHER>                                   327
<INTEREST-TOTAL>                                 7,653
<INTEREST-DEPOSIT>                               3,375
<INTEREST-EXPENSE>                               3,870
<INTEREST-INCOME-NET>                            3,783
<LOAN-LOSSES>                                      180
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,660
<INCOME-PRETAX>                                  1,666
<INCOME-PRE-EXTRAORDINARY>                       1,109
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,109
<EPS-PRIMARY>                                     1.54
<EPS-DILUTED>                                     1.54
<YIELD-ACTUAL>                                    3.88
<LOANS-NON>                                      1,295
<LOANS-PAST>                                       114
<LOANS-TROUBLED>                                    80
<LOANS-PROBLEM>                                  8,185
<ALLOWANCE-OPEN>                                 4,413
<CHARGE-OFFS>                                       64
<RECOVERIES>                                        37
<ALLOWANCE-CLOSE>                                4,567
<ALLOWANCE-DOMESTIC>                             3,204
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,363
        

</TABLE>