<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 MARCH 31,
1998 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>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                          18,196
<INT-BEARING-DEPOSITS>                             272
<FED-FUNDS-SOLD>                                31,025
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     70,689
<INVESTMENTS-CARRYING>                          49,146
<INVESTMENTS-MARKET>                            49,513
<LOANS>                                        276,091
<ALLOWANCE>                                      4,109
<TOTAL-ASSETS>                                 467,058
<DEPOSITS>                                     362,437
<SHORT-TERM>                                    37,701
<LIABILITIES-OTHER>                              5,355
<LONG-TERM>                                     17,601
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           719
<OTHER-SE>                                      43,246
<TOTAL-LIABILITIES-AND-EQUITY>                 467,058
<INTEREST-LOAN>                                  5,965
<INTEREST-INVEST>                                1,781
<INTEREST-OTHER>                                   348
<INTEREST-TOTAL>                                 8,094
<INTEREST-DEPOSIT>                               3,646
<INTEREST-EXPENSE>                               4,423
<INTEREST-INCOME-NET>                            3,671
<LOAN-LOSSES>                                      173
<SECURITIES-GAINS>                                   6
<EXPENSE-OTHER>                                  2,488
<INCOME-PRETAX>                                  1,712
<INCOME-PRE-EXTRAORDINARY>                       1,147
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,147
<EPS-PRIMARY>                                     1.60
<EPS-DILUTED>                                     1.60
<YIELD-ACTUAL>                                    3.67
<LOANS-NON>                                        715
<LOANS-PAST>                                       942
<LOANS-TROUBLED>                                    96
<LOANS-PROBLEM>                                 10,445
<ALLOWANCE-OPEN>                                 3,914
<CHARGE-OFFS>                                      100
<RECOVERIES>                                       122
<ALLOWANCE-CLOSE>                                4,109
<ALLOWANCE-DOMESTIC>                             3,018
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,091
        

</TABLE>