EXHIBIT 99.1


                    CERTIFICATION OF CHIEF EXECUTIVE OFFICER


         I, James E. Smith, Chairman of the Board and Chief Executive Officer of
Exchange National Bancshares, Inc. (the "Company"), do hereby certify in
accordance with 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of
the Sarbanes-Oxley Act of 2002, that:

         (a)      The Company's Quarterly Report on Form 10-Q for the quarterly
                  period ended June 30, 2002, which this certification
                  accompanies, fully complies with the requirements of Section
                  13(a) or 15(d) of the Securities Exchange Act of 1934, as
                  amended; and

         (b)      The information contained in the Company's Quarterly Report on
                  Form 10-Q for the quarterly period ended June 30, 2002, which
                  this certification accompanies, fairly presents, in all
                  material aspects, the financial condition and results of
                  operations of the Company.


Dated:  August 9, 2002.

                                      /s/ James E. Smith
                                      ------------------
                                      James E. Smith
                                      Chairman of the Board and Chief Executive
                                      Officer