<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMPANY'S FORM 10-QSB FOR THE QUARTERLY PERIOD ENDED SEPTEMBER 30, 1996 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>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                          14,048
<INT-BEARING-DEPOSITS>                              54
<FED-FUNDS-SOLD>                                12,500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     53,031
<INVESTMENTS-CARRYING>                          24,782
<INVESTMENTS-MARKET>                            24,697
<LOANS>                                        177,513
<ALLOWANCE>                                      2,298
<TOTAL-ASSETS>                                 287,364
<DEPOSITS>                                     223,431
<SHORT-TERM>                                    21,791
<LIABILITIES-OTHER>                              2,243
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           719
<OTHER-SE>                                      39,180
<TOTAL-LIABILITIES-AND-EQUITY>                 287,364
<INTEREST-LOAN>                                 10,897
<INTEREST-INVEST>                                3,382
<INTEREST-OTHER>                                   695
<INTEREST-TOTAL>                                14,974
<INTEREST-DEPOSIT>                               6,594
<INTEREST-EXPENSE>                               7,249
<INTEREST-INCOME-NET>                            7,725
<LOAN-LOSSES>                                      305
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  4,581
<INCOME-PRETAX>                                  4,186
<INCOME-PRE-EXTRAORDINARY>                       2,822
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,822
<EPS-PRIMARY>                                     3.93
<EPS-DILUTED>                                     3.93
<YIELD-ACTUAL>                                    4.12
<LOANS-NON>                                        672
<LOANS-PAST>                                       244
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  5,937
<ALLOWANCE-OPEN>                                 2,179
<CHARGE-OFFS>                                      280
<RECOVERIES>                                        94
<ALLOWANCE-CLOSE>                                2,298
<ALLOWANCE-DOMESTIC>                             1,837
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            461
        

</TABLE>