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 September 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:  November 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."