<DOCUMENT>
<TYPE>EX-23
<SEQUENCE>4
<FILENAME>c68479ex23.txt
<DESCRIPTION>CONSENT OF INDEPENDENT AUDITORS
<TEXT>
<PAGE>
                                                                     Exhibit 23




                          Independent Auditors' Consent



The Board of Directors
Exchange National Bancshares, Inc:


We consent to the incorporation by reference in the registration statement
(No. 333-68366) on Form S-8 of Exchange National Bancshares, Inc. of our report
dated February 15, 2002, with respect to the consolidated balance sheets of
Exchange National Bancshares, Inc. as of December 31, 2001 and 2000, and the
related consolidated statements of income, stockholders' equity and
comprehensive income, and cash flows, for each of the years in the three-year
period ended December 31, 2001, which report appears in the December 31, 2001
annual report on Form 10-K of Exchange National Bancshares, Inc.

/S/ KPMG

St. Louis, Missouri
March 25, 2002

</TEXT>
</DOCUMENT>
