Exhibit 99


EXCHANGE NATIONAL BANCSHARES TO BE INCLUDED IN THE NEW RUSSELL MICROCAP INDEX
Jefferson City, MO
July 18, 2005

Exchange National Bancshares of Jefferson City, MO (NASDAQ: EXJF), a financial
services company, announced today it has been selected for inclusion in the
newly launched Russell Microcap(TM) Index.

The Russell Microcap(TM) Index is comprised of the smallest 1,000 securities in
the small-cap Russell 2000(TM) Index plus the next 1,000 companies and is based
on a ranking of all U.S. equities by market capitalization. This new index
offers managers and other investors a comprehensive, unbiased barometer to
compare their performance against the genuine microcap marketplace of stocks.

Companies selected for the Russell Microcap Index were ranked as of June 24 by
total market capitalization and weighted based on free-float adjustment, an
integral aspect of Russell index methodology. Free-float adjustment means stocks
are weighted by their available market capitalization, which is calculated by
multiplying the primary closing price by the available shares.

James E. Smith, Chairman and CEO stated, "We are pleased to be included in the
Russell Microcap Index and we look forward to the broadened investor awareness
that may result."

Russell indexes are widely used by investment managers and institutional
investors for index funds and as benchmarks for both passive and active
investment strategies. More than $2.5 trillion in assets currently are
benchmarked to them. Investment managers who oversee these funds purchase shares
of member stocks according to that company's weighting in the particular index.

ABOUT EXCHANGE NATIONAL BANCSHARES

Exchange National Bancshares, Inc., a multi-bank holding company headquartered
in Jefferson City, Missouri, is the parent company of The Exchange National Bank
of Jefferson City with locations in California, Tipton and St. Robert; Citizens
Union State Bank & Trust of Clinton with locations in Springfield, Lee's Summit,
Branson, Windsor, Collins and Osceola; Bank 10 with locations in Belton, Drexel,
Harrisonville, Independence and Raymore; and Osage Valley Bank of Warsaw.

Statements made in this press release that suggest Exchange National Bancshares'
or management's intentions, hopes, beliefs, expectations, or predictions of the
future include "forward-looking statements" within the meaning of Section 21E of
the Securities and Exchange Act of 1934, as amended. It is important to note
that actual results could differ materially from those projected in such
forward-looking statements. Additional information concerning factors that could
cause actual results to differ materially from those projected in such
forward-looking statements is contained from time to time in the company's
quarterly and annual reports filed with the Securities and Exchange Commission.

Contact:          Kathleen Bruegenhemke
                  Senior Vice President, Investor Relations
                  TEL: 573.761.6100   FAX: 573.761.6272
                  www.exchangebancshares.com


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