<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMPANY'S QUARTERLY REPORT ON FORM 10-QSB FOR THE QUARTERLY PERIOD ENDED MARCH
31, 1997 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-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                          14,161
<INT-BEARING-DEPOSITS>                              35
<FED-FUNDS-SOLD>                                11,500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     52,191
<INVESTMENTS-CARRYING>                          30,074
<INVESTMENTS-MARKET>                            29,976
<LOANS>                                        183,005
<ALLOWANCE>                                      2,346
<TOTAL-ASSETS>                                 296,340
<DEPOSITS>                                     230,908
<SHORT-TERM>                                    21,557
<LIABILITIES-OTHER>                              2,637
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           719
<OTHER-SE>                                      40,519
<TOTAL-LIABILITIES-AND-EQUITY>                 296,340
<INTEREST-LOAN>                                  3,889
<INTEREST-INVEST>                                1,240
<INTEREST-OTHER>                                   113
<INTEREST-TOTAL>                                 5,242
<INTEREST-DEPOSIT>                               2,334
<INTEREST-EXPENSE>                               2,533
<INTEREST-INCOME-NET>                            2,709
<LOAN-LOSSES>                                      125
<SECURITIES-GAINS>                                 (3)
<EXPENSE-OTHER>                                  1,517
<INCOME-PRETAX>                                  1,502
<INCOME-PRE-EXTRAORDINARY>                       1,016
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,016
<EPS-PRIMARY>                                     1.41
<EPS-DILUTED>                                     1.41
<YIELD-ACTUAL>                                    4.20
<LOANS-NON>                                      1,184
<LOANS-PAST>                                       330
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  5,987
<ALLOWANCE-OPEN>                                 2,307
<CHARGE-OFFS>                                      127
<RECOVERIES>                                        41
<ALLOWANCE-CLOSE>                                2,346
<ALLOWANCE-DOMESTIC>                             2,003
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            343
        

</TABLE>