<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, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<CIK> 0000893847
<NAME> EXCHANGE NATIONAL BANCSHARES, INC.
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JUL-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                          20,822
<INT-BEARING-DEPOSITS>                           3,267
<FED-FUNDS-SOLD>                                 7,081
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    139,146
<INVESTMENTS-CARRYING>                          24,468
<INVESTMENTS-MARKET>                            24,570
<LOANS>                                        473,207
<ALLOWANCE>                                      6,748
<TOTAL-ASSETS>                                 714,244
<DEPOSITS>                                     568,761
<SHORT-TERM>                                    21,656
<LIABILITIES-OTHER>                              8,099
<LONG-TERM>                                     43,403
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,863
<OTHER-SE>                                      69,462
<TOTAL-LIABILITIES-AND-EQUITY>                 714,244
<INTEREST-LOAN>                                 10,256
<INTEREST-INVEST>                                2,575
<INTEREST-OTHER>                                   132
<INTEREST-TOTAL>                                12,963
<INTEREST-DEPOSIT>                               6,100
<INTEREST-EXPENSE>                               7,210
<INTEREST-INCOME-NET>                            5,753
<LOAN-LOSSES>                                      273
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  4,112
<INCOME-PRETAX>                                  2,279
<INCOME-PRE-EXTRAORDINARY>                       2,279
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,551
<EPS-BASIC>                                       0.54
<EPS-DILUTED>                                     0.54
<YIELD-ACTUAL>                                    3.70
<LOANS-NON>                                      4,205
<LOANS-PAST>                                     2,079
<LOANS-TROUBLED>                                    60
<LOANS-PROBLEM>                                  8,482
<ALLOWANCE-OPEN>                                 6,612
<CHARGE-OFFS>                                      161
<RECOVERIES>                                        24
<ALLOWANCE-CLOSE>                                6,748
<ALLOWANCE-DOMESTIC>                             4,922
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,826