<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 SEPTEMBER
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>                             JUL-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                          21,622
<INT-BEARING-DEPOSITS>                             168
<FED-FUNDS-SOLD>                                16,725
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     89,530
<INVESTMENTS-CARRYING>                          23,419
<INVESTMENTS-MARKET>                            23,485
<LOANS>                                        314,568
<ALLOWANCE>                                      4,859
<TOTAL-ASSETS>                                 490,124
<DEPOSITS>                                     379,467
<SHORT-TERM>                                    32,524
<LIABILITIES-OTHER>                              4,228
<LONG-TERM>                                     26,650
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,078
<OTHER-SE>                                      46,177
<TOTAL-LIABILITIES-AND-EQUITY>                 490,124
<INTEREST-LOAN>                                  6,490
<INTEREST-INVEST>                                1,489
<INTEREST-OTHER>                                   263
<INTEREST-TOTAL>                                 8,242
<INTEREST-DEPOSIT>                               3,392
<INTEREST-EXPENSE>                               4,161
<INTEREST-INCOME-NET>                            4,081
<LOAN-LOSSES>                                      225
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,979
<INCOME-PRETAX>                                  1,617
<INCOME-PRE-EXTRAORDINARY>                       1,093
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,093
<EPS-BASIC>                                       1.01
<EPS-DILUTED>                                     1.01
<YIELD-ACTUAL>                                    3.74
<LOANS-NON>                                      2,305
<LOANS-PAST>                                       184
<LOANS-TROUBLED>                                   135
<LOANS-PROBLEM>                                  7,102
<ALLOWANCE-OPEN>                                 4,679
<CHARGE-OFFS>                                       81
<RECOVERIES>                                        36
<ALLOWANCE-CLOSE>                                4,859
<ALLOWANCE-DOMESTIC>                             3,511
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,348


</TABLE>