Exhibit 99.1


For Immediate Release         Contact: Kathleen Bruegenhemke
                              Senior Vice President, Investor Relations
                              (573) 761-6179

                EXCHANGE NATIONAL BANCSHARES, INC.
               OF JEFFERSON CITY, MISSOURI ACQUIRES
                   OSAGE VALLEY BANK OF WARSAW.

JEFFERSON CITY, MO.--Donald L. Campbell, Chairman and CEO of
Exchange National Bancshares, Inc., and Larry L. Beach, President
of Osage Valley Bank of Warsaw today (January 3, 2000) announced
the consummation of the acquisition of Mid-Central Bancorp, Inc.,
by Exchange National Bancshares, Inc.

     Mid-Central Bancorp is a single-bank holding company that
owns Osage Valley Bank of Warsaw.  Osage Valley Bank is a
community bank with approximately $55 million in assets as of
December 31, 1999 with two facilities in Warsaw.

     "We're glad to welcome Osage Valley Bank to our
organization.  It fits well within our strategy to expand our
base in and near existing markets where we can do so through the
acquisition of quality well managed banks" said Donald Campbell.
He also stated that we are particularly enthused about the fine
staff of the Osage Valley Bank that will continue to serve their
customers as they have in the past.

     In commenting on the proposal, Larry Beach, President of
Osage Valley Bank said "We feel the two organizations are a
perfect match and we are excited to unite with Exchange National
Bancshares as this will allow Osage Valley Bank to maintain its
strong community banking relationships."

     Chairman Campbell stated that the bank will remain a
separate charter for the present time, and that Jim Smith,
current President and CEO of Union State Bank & Trust of Clinton
will assume responsibilities of President of Osage Valley Bank.
Larry Beach will remain Chairman of Osage Valley Bank.

     Exchange National Bancshares, Inc., a multi bank holding
company, is the parent holding company of both the Exchange
National Bank of Jefferson City and Union State Bank and Trust of
Clinton.

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