Exhibit 99

EXCHANGE NATIONAL BANCSHARES DECLARES QUARTERLY DIVIDEND OF $0.21 PER SHARE
Jefferson City, MO
February 15, 2006

Exchange National Bancshares of Jefferson City, MO (NASDAQ: EXJF) announced
today that its Board of Directors approved a quarterly cash dividend of 21 cents
per share, payable April 1, 2006 to shareholders of record at the close of
business on March 15, 2006.

In commenting on the Board's action, Chairman and CEO James E. Smith said, "We
are pleased to again demonstrate our financial strength through payment of a
cash dividend." Mr. Smith added, "This quarter's dividend rate reflects a 3
cents per share increase over the 2005 quarterly rate. As previously reported,
this payment reflects the adjustment for elimination of the special dividend
normally paid in December."

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