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<SEC-DOCUMENT>0000950137-04-006046.txt : 20040730
<SEC-HEADER>0000950137-04-006046.hdr.sgml : 20040730
<ACCEPTANCE-DATETIME>20040730173057
ACCESSION NUMBER:		0000950137-04-006046
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20040730
ITEM INFORMATION:		Other events
ITEM INFORMATION:		Financial statements and exhibits
FILED AS OF DATE:		20040730

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			EXCHANGE NATIONAL BANCSHARES INC
		CENTRAL INDEX KEY:			0000893847
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				431626350
		STATE OF INCORPORATION:			MO
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-23636
		FILM NUMBER:		04943230

	BUSINESS ADDRESS:	
		STREET 1:		132 EAST HIGH STREET
		CITY:			JEFFERSON CITY
		STATE:			MO
		ZIP:			65101
		BUSINESS PHONE:		(573)761-6100

	MAIL ADDRESS:	
		STREET 1:		P.O. BOX 688
		CITY:			JEFFERSON CITY
		STATE:			MO
		ZIP:			65102
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>c87200e8vk.txt
<DESCRIPTION>CURRENT REPORT
<TEXT>
<PAGE>

                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549


                                    FORM 8-K
                                 CURRENT REPORT
                     Pursuant to Section 13 or 15(d) of the
                         Securities Exchange Act of 1934

Date of Report (Date of earliest event reported)  July 30, 2004


                       EXCHANGE NATIONAL BANCSHARES, INC.
             ------------------------------------------------------
             (Exact name of Registrant as specified in its charter)


          Missouri                        0-23636                43-1626350
- --------------------------------------------------------------------------------
(State or other Jurisdiction of   (Commission File Number)    (I.R.S. Employer
      Incorporation)                                         Identification No.)


132 East High Street, Jefferson City, Missouri                       65101
- --------------------------------------------------------------------------------
   (Address of principal executive offices)                        (Zip Code)


Registrant's telephone number, including area code (573) 761-6100


- --------------------------------------------------------------------------------
          (Former name or former address, if changed since last report)


<PAGE>


ITEM 5. OTHER EVENTS AND REGULATION FD DISCLOSURE

         On July 30, 2004, Exchange National Bancshares, Inc. issued a press
release announcing second quarter 2004 earnings. The full text of the press
release is furnished as an exhibit to this report on Form 8-K.

ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS

         (c)      Exhibits

<Table>
<Caption>
         Exhibit No.      Description
         -----------      ------------------------------------------------------
         <S>              <C>
         Exhibit 99       Exchange National Bancshares, Inc. press release dated
                          July 30, 2004
</Table>

                                      * * *


                                       2
<PAGE>


                                   SIGNATURES


         Pursuant to the requirements of the Securities Exchange Act of 1934,
the registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.

                                           EXCHANGE NATIONAL BANCSHARES, INC.


Date: July 30, 2004
                                           By: /s/ James E. Smith
                                               ---------------------------------
                                               James E. Smith
                                               Chairman and CEO


                                       3
<PAGE>

                                  EXHIBIT INDEX


<Table>
<Caption>
         Exhibit No.      Description
         -----------      ------------------------------------------------------
         <S>              <C>
         Exhibit 99       Exchange National Bancshares, Inc. press release dated
                          July 30, 2004.
</Table>


                                       4

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>2
<FILENAME>c87200exv99.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, ANNOUNCES
                 2nd QUARTER EARNINGS OF $0.51 PER DILUTED SHARE

JEFFERSON CITY, MO, July 30, 2004 - Today, Exchange National Bancshares, Inc.
(NASDAQ: EXJF) reported second quarter earnings of $0.51 per diluted share, up
4% from diluted earnings per share of $0.49 a year ago.

Net income for the 3 months ended June 30, 2004 of $2,129,000 increased $86,000
when compared to the second quarter of 2003.

For the six months ended June 30, 2004, Exchange National Bancshares earned
$1.05 per diluted share, the same as diluted earnings per share of a year
earlier. Net income for the six months ended June 30, 2004 of $4,423,000
increased $25,000 when compared to the first six months of 2003.

In commenting on earnings, James E. Smith, Chairman and CEO said, "Management is
pleased with current year earnings. Year to date net interest income increased
$1,162,000 compared to the same period in 2003 due to an increase in the volume
of earning assets. Increases in net interest income were offset by a $578,000
increase in non-interest expense which is primarily associated with additional
hires in our new branches as well as increased staffing at existing locations
and a $440,000 decrease in other non-interest income. The decrease in other
non-interest income resulted from reduced gains on sale of mortgage loans due to
fewer refinancings.

For the year, return on average equity was 9.9% and the return on average assets
was 1.0%.

Comparing June 30, 2004 balances to December 31, 2003, total assets increased 3%
to $901,490,000. Total loans grew 2% to $588,757,000, while investment
securities increased 12% to $212,088,000. Total deposits increased 2% to
$676,057,000. During the same period, stockholders' equity increased 1% to
$88,899,000 or 9.9% of total assets.

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 Springfield, Lee's Summit,
Branson, Windsor, Collins and Osceola; and Osage Valley Bank of Warsaw.

<PAGE>

FINANCIAL SUMMARY

(UNAUDITED)

<Table>
<Caption>
Balance sheet information:                    June 30, 2004      December 31, 2003
- ----------------------------------------     -------------------     -------------------
<S>                                          <C>                 <C>
Loans, net of allowance
    for loan losses                          $   588,756,612     $     575,651,786
Debt and equity securities                       212,088,272           188,955,832
Total assets                                     901,489,704           875,595,992
Deposits                                         676,056,814           665,261,965
Stockholders' equity                              88,898,609            87,782,744
</Table>

<Table>
<Caption>
                                                Three Months            Three Months
Statement of income information:             Ended June 30, 2004     Ended June 30, 2003
- ----------------------------------------     -------------------     -------------------
<S>                                          <C>                     <C>
       Total interest income                 $         9,984,344     $         9,552,528
       Total interest expense                          3,181,269               3,253,036
       Net interest income                             6,803,075               6,299,492
       Provision for loan losses                         210,500                 235,500
       Noninterest income                              1,550,814               1,465,175
       Noninterest expense                             4,990,709               4,584,194
       Income taxes                                    1,023,712                 902,353
       Net income                                      2,128,968               2,042,620
</Table>

<Table>
<Caption>
                                                  Six Months                Six Months
Statement of income information:              Ended June 30, 2004     Ended June 30, 2003
- ----------------------------------------     --------------------     --------------------
<S>                                          <C>                      <C>
       Total interest income                 $         19,746,197     $         18,984,175
       Total interest expense                           6,135,662                6,535,511
       Net interest income                             13,610,535               12,448,664
       Provision for loan losses                          446,000                  471,000
       Noninterest income                               2,997,469                3,437,178
       Noninterest expense                              9,662,972                9,084,534
       Income taxes                                     2,076,265                1,932,451
       Net income                                       4,422,767                4,397,857
</Table>

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.


</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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