<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, 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>                             JUL-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                          16,953
<INT-BEARING-DEPOSITS>                             234
<FED-FUNDS-SOLD>                                24,401
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     71,561
<INVESTMENTS-CARRYING>                          40,503
<INVESTMENTS-MARKET>                            41,108
<LOANS>                                        283,852
<ALLOWANCE>                                      4,294
<TOTAL-ASSETS>                                 460,663
<DEPOSITS>                                     364,806
<SHORT-TERM>                                    28,013
<LIABILITIES-OTHER>                              4,910
<LONG-TERM>                                     17,351
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           719
<OTHER-SE>                                      44,864
<TOTAL-LIABILITIES-AND-EQUITY>                 460,663
<INTEREST-LOAN>                                  6,132
<INTEREST-INVEST>                                1,588
<INTEREST-OTHER>                                   398
<INTEREST-TOTAL>                                 8,118
<INTEREST-DEPOSIT>                               3,661
<INTEREST-EXPENSE>                               4,311
<INTEREST-INCOME-NET>                            3,807
<LOAN-LOSSES>                                      178
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,578
<INCOME-PRETAX>                                  1,712
<INCOME-PRE-EXTRAORDINARY>                       1,141
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,141
<EPS-PRIMARY>                                     1.59
<EPS-DILUTED>                                     1.59
<YIELD-ACTUAL>                                    3.77
<LOANS-NON>                                        546
<LOANS-PAST>                                       205
<LOANS-TROUBLED>                                    89
<LOANS-PROBLEM>                                  8,456
<ALLOWANCE-OPEN>                                 4,183
<CHARGE-OFFS>                                      105
<RECOVERIES>                                        38
<ALLOWANCE-CLOSE>                                4,294
<ALLOWANCE-DOMESTIC>                             3,040
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,254
        

</TABLE>