<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 JUNE
30, 1999 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>                             APR-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                          15,265
<INT-BEARING-DEPOSITS>                             170
<FED-FUNDS-SOLD>                                30,725
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     75,339
<INVESTMENTS-CARRYING>                          24,009
<INVESTMENTS-MARKET>                            24,178
<LOANS>                                        303,916
<ALLOWANCE>                                      4,679
<TOTAL-ASSETS>                                 473,293
<DEPOSITS>                                     373,355
<SHORT-TERM>                                    21,988
<LIABILITIES-OTHER>                              4,038
<LONG-TERM>                                     27,151
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           719
<OTHER-SE>                                      46,042
<TOTAL-LIABILITIES-AND-EQUITY>                 473,293
<INTEREST-LOAN>                                  6,184
<INTEREST-INVEST>                                1,388
<INTEREST-OTHER>                                   262
<INTEREST-TOTAL>                                 7,834
<INTEREST-DEPOSIT>                               3,333
<INTEREST-EXPENSE>                               3,930
<INTEREST-INCOME-NET>                            3,904
<LOAN-LOSSES>                                      180
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,916
<INCOME-PRETAX>                                  1,539
<INCOME-PRE-EXTRAORDINARY>                       1,027
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,027
<EPS-BASIC>                                       1.43
<EPS-DILUTED>                                     1.43
<YIELD-ACTUAL>                                    3.83
<LOANS-NON>                                      2,172
<LOANS-PAST>                                       108
<LOANS-TROUBLED>                                    75
<LOANS-PROBLEM>                                  8,128
<ALLOWANCE-OPEN>                                 4,567
<CHARGE-OFFS>                                       92
<RECOVERIES>                                        24
<ALLOWANCE-CLOSE>                                4,379
<ALLOWANCE-DOMESTIC>                             3,378
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,301


</TABLE>