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Proc-Type: 2001,MIC-CLEAR
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<SEC-DOCUMENT>0000950137-05-001937.txt : 20050218
<SEC-HEADER>0000950137-05-001937.hdr.sgml : 20050218
<ACCEPTANCE-DATETIME>20050217182401
ACCESSION NUMBER:		0000950137-05-001937
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20050211
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20050218
DATE AS OF CHANGE:		20050217

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:		05625267

	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>c92264e8vk.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)               February 11, 2005

                       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



                                 Not Applicable
          -------------------------------------------------------------
          (Former name or former address, if changed since last report)


Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

[ ] Written communications pursuant to Rule 425 under the Securities Act

[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act

[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange
    Act

[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange
    Act


<PAGE>


ITEM 8.01. OTHER EVENTS AND REGULATION FD DISCLOSURE

           On February 11, 2005, Exchange National Bancshares, Inc. issued a
press release announcing 2004 earnings. The full text of the press release is
furnished as an exhibit to this report on Form 8-K.

ITEM 9.01. FINANCIAL STATEMENTS AND EXHIBITS

           (c)      Exhibits

           Exhibit No.    Description
           -----------    -----------
           Exhibit 99     Exchange National Bancshares, Inc. press release dated
                          February 11, 2005

                                      * * *




                                       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: February 11, 2005
                                              By: /s/ James E. Smith
                                                  -----------------------------
                                                  James E. Smith
                                                  Chairman and CEO




                                       3
<PAGE>



                                  EXHIBIT INDEX


Exhibit No.     Description
- -----------     -----------

Exhibit 99      Exchange National Bancshares, Inc. press release dated February
                11, 2005.




                                       4
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>2
<FILENAME>c92264exv99.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
              YEAR 2004 ANNUAL EARNINGS OF $1.98 PER DILUTED SHARE


         JEFFERSON CITY, MO, February 11, 2005 - Today, Exchange National
Bancshares, Inc. (NASDAQ: EXJF) reported 2004 diluted earnings of $1.98 per
share compared to $2.15 per share in 2003.

For the twelve months ended December 31, 2004, Exchange National Bancshares,
Inc. earned $1.98 per diluted share, down 8% from diluted earnings per share of
a year earlier. Net income for the twelve months ended December 31, 2004 of
$8,305,000 decreased $739,000 when compared to year end 2003.

In commenting on earnings, James E. Smith, Chairman and CEO said, "Net interest
income increased $1,580,000 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 $971,000 decrease in non-interest income and a $1,847,000 increase
in non-interest expense which is primarily associated with increased staffing in
our retail network, costs incurred to document internal controls as required by
newly imposed Sarbanes-Oxley regulation and expenses associated with the timing
of tax payments on the company's real estate investment trust. 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 9.16% and the return on average
assets was 0.93% compared to 10.45% and 1.09%, respectively for 2003.

Comparing December 31, 2004 balances to December 31, 2003, total assets
increased 5.51% to $923,874,000. Total loans grew 9.29% to $629,141,000, while
investment securities decreased 9.12% to $171,718,000. Total deposits increased
9.22% to $726,649,000. During the same period, stockholders' equity increased
4.54% to $91,771,000 or 9.93% of total assets.

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; and Osage Valley Bank of Warsaw.



                                       5
<PAGE>





FINANCIAL SUMMARY

(unaudited)

<Table>
<Caption>
Balance sheet information:                         December 31, 2004      December 31, 2003
<S>                                                <C>                    <C>

          Loans, net of allowance
              for loan losses                         $629,141,036          $575,651,786

          Debt and equity securities                   171,717,635           188,955,832

          Total assets                                 923,874,270           875,595,992

          Deposits                                     726,649,476           665,261,965

          Stockholders' equity                          91,770,783            87,782,744
</Table>

<Table>
<Caption>
                                                      Twelve Months          Twelve Months
                                                   Ended Dec. 31, 2004    Ended Dec. 31, 2003
Statement of income information:

<S>                                                <C>                    <C>
          Total interest income                        $41,090,596           $38,922,114

          Total interest expense                        13,386,911            12,798,341

          Net interest income                           27,703,685            26,123,773

          Provision for loan losses                        942,000             1,092,000

          Noninterest income                             5,732,557             6,704,013

          Noninterest expense                           20,382,706            18,536,007

          Income taxes                                   3,806,556             4,155,865

          Net income                                     8,304,980             9,043,914


</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.



                                       6

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