<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
SEPTEMBER 30, 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>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                           9,067
<INT-BEARING-DEPOSITS>                              81
<FED-FUNDS-SOLD>                                10,400
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     51,281
<INVESTMENTS-CARRYING>                          30,710
<INVESTMENTS-MARKET>                            30,984
<LOANS>                                        192,616
<ALLOWANCE>                                      2,438
<TOTAL-ASSETS>                                 301,620
<DEPOSITS>                                     230,855
<SHORT-TERM>                                    25,581
<LIABILITIES-OTHER>                              2,490
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           719
<OTHER-SE>                                      41,975
<TOTAL-LIABILITIES-AND-EQUITY>                 301,620
<INTEREST-LOAN>                                 12,261
<INTEREST-INVEST>                                3,683
<INTEREST-OTHER>                                   250
<INTEREST-TOTAL>                                16,194
<INTEREST-DEPOSIT>                               7,091
<INTEREST-EXPENSE>                               7,816
<INTEREST-INCOME-NET>                            8,378
<LOAN-LOSSES>                                      525
<SECURITIES-GAINS>                                 (3)
<EXPENSE-OTHER>                                  4,857
<INCOME-PRETAX>                                  4,397
<INCOME-PRE-EXTRAORDINARY>                       2,967
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,967
<EPS-PRIMARY>                                     4.13
<EPS-DILUTED>                                     4.13
<YIELD-ACTUAL>                                    4.24
<LOANS-NON>                                        642
<LOANS-PAST>                                       109
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  6,517
<ALLOWANCE-OPEN>                                 2,307
<CHARGE-OFFS>                                      522
<RECOVERIES>                                       128
<ALLOWANCE-CLOSE>                                2,438
<ALLOWANCE-DOMESTIC>                             1,858
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            580
        

</TABLE>