Exhibit 32.1

                    Certification of Chief Executive Officer

      In connection with the Quarterly Report of Exchange National Bancshares,
Inc. (the "Company") on Form 10-Q for the period ended June 30, 2004 as filed
with the Securities and Exchange Commission (the "Report"), I, James E. Smith,
Chairman of the Board and Chief Executive Officer of the Company, 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 Report 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 Report fairly presents, in all
material aspects, the financial condition and results of operations of the
Company.

Dated: August 9, 2004

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

"A signed original of this written statement required by Section 906 has been
provided to Exchange National Bancshares, Inc. and will be retained by Exchange
National Bancshares, Inc. and furnished to the Securities and Exchange
Commission or its staff upon request."

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