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<SEC-DOCUMENT>0000950137-04-009208.txt : 20041029
<SEC-HEADER>0000950137-04-009208.hdr.sgml : 20041029
<ACCEPTANCE-DATETIME>20041029143649
ACCESSION NUMBER:		0000950137-04-009208
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20041029
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20041029
DATE AS OF CHANGE:		20041029

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:		041105771

	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>c89231e8vk.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)          October 29, 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 October 29, 2004, Exchange National Bancshares, Inc. issued a press
release announcing third 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

         Exhibit No.     Description

         Exhibit 99      Exchange National Bancshares, Inc. press release dated
                         October 29, 2004

                                      * * *


                                       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: October 29, 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
                 October 29, 2004.
</Table>


                                       4

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>2
<FILENAME>c89231exv99.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
                 3rd QUARTER EARNINGS OF $0.49 PER DILUTED SHARE


JEFFERSON CITY, MO, October 29, 2004 - Today, Exchange National Bancshares, Inc.
(NASDAQ: EXJF) reported third quarter earnings of $0.49 per diluted share, down
18% from diluted earnings per share of $0.60 a year ago.

Net income for the 3 months ended September 30, 2004 of $2,056,000 decreased
$488,000 when compared to the third quarter of 2003.

For the nine months ended September 30, 2004, Exchange National Bancshares
earned $1.54 per diluted share, down 7% from diluted earnings per share of a
year earlier. Net income for the nine months ended September 30, 2004 of
$6,479,000 decreased $464,000 when compared to the first nine months of 2003.

In commenting on earnings, James E. Smith, Chairman and CEO said, "Year to date
net interest income increased $1,282,000 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 $970,000 decrease in non-interest income and a $1,165,000
increase in non-interest expense which is primarily associated with increased
staffing in our retail network, expenses associated with the timing of tax
payments on the company's real estate investment trust and costs incurred to
document internal controls as required by newly imposed Sarbanes-Oxley
regulation. The decrease in other non-interest income results largely from
reduced gains on sale of mortgage loans due to fewer refinancings."

For the year, return on average equity was 9.61% and the return on average
assets was 0.97%.

Comparing September 30, 2004 balances to December 31, 2003, total assets
increased 1.1% to $884,943,000. Total loans grew 5.4% to $615,256,000, while
investment securities decreased 11.7% to $166,810,000. Total deposits increased
3.4% to $687,966,000. During the same period, stockholders' equity increased
4.1% to $91,403,000 or 10.3% 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>
                                                           September 30, 2004    December 31, 2003
<S>                                                        <C>                  <C>
Balance sheet information:
       Loans, net of allowance
           for loan losses                                  $    606,501,521     $    575,651,786
       Debt and equity securities                                166,809,609          188,955,832
       Total assets                                              884,942,941          875,595,992
       Deposits                                                  687,966,385          665,261,965
       Stockholders' equity                                       91,402,691           87,782,744
</Table>

<Table>
<Caption>
                                                              Three Months         Three Months
                                                         Ended Sept. 30, 2004  Ended Sept. 30, 2003
<S>                                                      <C>                   <C>
Statement of income information:
       Total interest income                                $     10,404,311     $      9,997,501
       Total interest expense                                      3,458,738            3,172,415
       Net interest income                                         6,945,573            6,825,086
       Provision for loan losses                                     160,500              310,500
       Noninterest income                                          1,371,530            1,901,897
       Noninterest expense                                         5,177,503            4,589,992
       Income taxes                                                  923,366            1,282,165
       Net income                                                  2,055,734            2,544,326
</Table>

<Table>
<Caption>
                                                              Nine Months          Nine Months
                                                         Ended Sept. 30, 2004  Ended Sept. 30, 2003
<S>                                                      <C>                   <C>
Statement of income information:
       Total interest income                                $     30,150,508     $     28,981,676
       Total interest expense                                      9,594,400            9,707,926
       Net interest income                                        20,556,108           19,273,750
       Provision for loan losses                                     606,500              781,500
       Noninterest income                                          4,368,999            5,339,075
       Noninterest expense                                        14,840,475           13,674,526
       Income taxes                                                2,999,631            3,214,616
       Net income                                                  6,478,501            6,942,183
</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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