Exhibit 32.2

                    Certification of Chief Financial 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,
Richard G. Rose, Treasurer 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/ RICHARD G. ROSE
                                         -----------------------------
                                         Richard G. Rose
                                         Treasurer

"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."