<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>3
<FILENAME>c81246exv99.txt
<DESCRIPTION>PRESS RELEASE
<TEXT>
<PAGE>
                                                                      Exhibit 99

For Immediate Release                Contact:  Kathleen Bruegenhemke
                                       Senior Vice President, Investor Relations
                                       TEL: 573.761.6100   FAX: 573.761.6272

                       EXCHANGE NATIONAL BANCSHARES, INC.
                      OF JEFFERSON CITY, MISSOURI DECLARES
                      QUARTERLY DIVIDEND OF $0.18 PER SHARE

         JEFFERSON CITY, MO, November 19, 2003 - Today, The board of directors
of Exchange National Bancshares, Inc. (NASDAQ: EXJF) approved a quarterly cash
dividend of 18 cents per share, payable January 1, 2004 to shareholders of
record at the close of business on December 15, 2003.

In commenting on the dividend approval, Chairman and CEO James E. Smith said,
"We are pleased to again demonstrate our financial strength through payment of
this cash dividend."

Exchange National Bancshares, 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 Windsor, Collins, Osceola
and Springfield; 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.




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