-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 Ujk4PkwfLqF55nlyZC0ursvkWNgUKfAOyXrwB24gdianyqkupO9rDWBxwExiu2XZ
 jqBjwe/Xoy67K8xf7ySTrQ==

<SEC-DOCUMENT>0000950137-05-005260.txt : 20050502
<SEC-HEADER>0000950137-05-005260.hdr.sgml : 20050502
<ACCEPTANCE-DATETIME>20050502171123
ACCESSION NUMBER:		0000950137-05-005260
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20050429
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20050502
DATE AS OF CHANGE:		20050502

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:		05791680

	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>c94758e8vk.txt
<DESCRIPTION>FORM 8-K
<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)                  April 29, 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
                                                      --------------


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



<PAGE>


ITEM 8.01. OTHER EVENTS AND REGULATION FD DISCLOSURE

         On April 29, 2005, Exchange National Bancshares, Inc. issued a press
release announcing 1st quarter 2005 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

<Table>
<Caption>
         Exhibit No.                Description
         -----------                -----------
<S>                                 <C>
         Exhibit 99                 Exchange National Bancshares, Inc. press
                                    release dated April 29, 2005
</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: April 29, 2005
                                      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 April 29, 2005.
</Table>



                                       4
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>2
<FILENAME>c94758exv99.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
                 1st QUARTER DILUTED EARNINGS OF $0.53 PER SHARE

JEFFERSON CITY, MO, April 29, 2005 - Today, Exchange National Bancshares, Inc.
(NASDAQ: EXJF) reported first quarter diluted earnings of $0.53 per share,
compared to $0.54 per share a year ago. Net income for the three months ended
March 31, 2005 of $2,238,000 decreased $56,000 when compared to the first
quarter of 2004.

In commenting on earnings performance, Chairman and CEO James E. Smith said
"While earnings were slightly less than the comparable quarter last year, we are
encouraged that net interest income increased $280,000. The increase was offset
by higher non-interest expenses of $303,000 resulting primarily from salary,
overhead and promotion costs associated with our expanded branch network as well
as increased regulatory compliance costs. Additionally, non-interest income was
down $115,000 compared to first quarter 2004 due primarily to a decrease in the
volume of mortgage loans originated and sold to the secondary market."

For the quarter, return on average equity was 9.8% and the return on average
assets was 1.0%.

Comparing March 31, 2005 balances to December 31, 2004, total assets increased
6% to $976,588,000. Total loans grew 1% to $641,302,000 and investment
securities increased 30% to $223,793,000 due to the completion of a $23 million
trust preferred security offering. Proceeds from the offering will be used to
finance expansion into growing metropolitan areas and to provide capital for
internal growth. Total deposits increased 2% to $737,929,000. During the same
period, stockholders' equity increased less than 1% to $92,206,000 or 9.4% of
total assets.

Exchange National Bancshares, a multi-bank holding company headquartered in
Jefferson City, Missouri, has total assets of $977 million and trades on the
NASDAQ National Market under the symbol "EXJF". Exchange National Bancshares 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:                   March 31, 2005         December 31, 2004
<S>                                          <C>                    <C>
   Loans, net of allowance
     for loan losses                         $   633,572,974         $   629,141,036
   Debt and equity securities                    223,793,181             171,717,635
   Total assets                                  976,587,555             923,874,270
   Deposits                                      737,928,801             726,649,476
   Stockholders' equity                           92,206,263              91,770,783
</Table>


<Table>
<Caption>
                                                Three Months           Three Months
Statement of income information:           Ended March 31, 2005    Ended March 31, 2004
<S>                                        <C>                     <C>
   Total interest income                     $    11,527,378         $     9,761,853
   Total interest expense                          4,440,267               2,954,393
   Net interest income                             7,087,111               6,807,460
   Provision for loan losses                         235,500                 235,500
   Noninterest income                              1,331,344               1,446,655
   Noninterest expense                             4,975,258               4,672,263
   Income taxes                                      970,083               1,052,553
   Net income                                      2,237,614               2,293,799
   Earnings Per Share:
      Basic:                                 $          0.54         $          0.55
      Diluted:                               $          0.53         $          0.54
</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>
-----END PRIVACY-ENHANCED MESSAGE-----
