-----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,
 Nwql5BnHEDEb+Pai4jxQw84Fw3ra5dAPdqZhofQPfagFe9lA+faIJdqFy8/CnZpw
 B5UTmJ1Yns5YsDJkQ/TGNg==

<SEC-DOCUMENT>0000950137-05-009510.txt : 20050803
<SEC-HEADER>0000950137-05-009510.hdr.sgml : 20050803
<ACCEPTANCE-DATETIME>20050803162256
ACCESSION NUMBER:		0000950137-05-009510
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20050801
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20050803
DATE AS OF CHANGE:		20050803

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:		05995940

	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>c97302e8vk.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)                 August 1, 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)

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 (17 CFR
    230.425)

[ ] Soliciting  material  pursuant to Rule 14a-12 under the Exchange Act (17 CFR
    240.14a-12)

[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange
    Act (17 CFR 240.14d-2(b))

[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange
    Act (17 CFR 240.13e-4(c))

================================================================================


<PAGE>


ITEM 8.01 OTHER EVENTS

      On August 1, 2005, Exchange National Bancshares, Inc. issued a press
release announcing second quarter 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
                    August 1, 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: August 1, 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
                    August 1, 2005.


                                       4
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>2
<FILENAME>c97302exv99.txt
<DESCRIPTION>PRESS RELEASE
<TEXT>
<PAGE>
                                                                      Exhibit 99

EXCHANGE NATIONAL BANCSHARES  ANNOUNCES 2ND QUARTER EARNINGS OF $0.56
PER DILUTED SHARE
Jefferson City, MO
August 1, 2005

Exchange National Bancshares of Jefferson City, MO (NASDAQ: EXJF), a financial
services company, announced today second quarter earnings of $0.56 per diluted
share, up 10% from diluted earnings per share of $0.51 a year ago.

Net income for the 3 months ended June 30, 2005 of $2,345,000 increased $216,000
when compared to the second quarter of 2004.

For the six months ended June 30, 2005, Exchange National Bancshares earned
$1.09 per diluted share, up 4% from diluted earnings per share of $1.05 a year
ago. Net income for the six months ended June 30, 2005 of $4,582,000 increased
$159,000 when compared to the first six months of 2004.

Exchange completed its acquisition of Bank 10 of Belton on May 2, 2005 and Bank
10 results of operations for this acquisition have been included in Exchange's
consolidated net income since that date. At purchase, Bank 10 had total assets
of $178,296,000; total loans of $133,135,000; total investment securities of
$26,080,000; and total deposits of $149,299,000.

In commenting on earnings performance, Chairman & CEO James E. Smith said "We
are very pleased with our second quarter and year-to-date results. We believe
that we are well positioned to take advantage of opportunities within the
markets we serve."

For the year, annualized return on average equity was 9.9% and the annualized
return on average assets was 0.9% compared to 9.9% and 1.0% respectively for
2004.

Comparing June 30, 2005 balances to December 31, 2004, total assets increased
26.3% to $1,166,418,000. Total loans grew 24.0% to $780,412,000, while
investment securities increased 26.1% to $216,593,000. Total deposits increased
26.4% to $918,128,000. During the same period, stockholders' equity increased
3.0% to $94,540,000 or 8.1% of total assets.

OTHER NEWS

Exchange hired James Taylor as Senior Credit Officer during the second quarter.
With over 30 years of experience in the banking industry, Mr. Taylor will
oversee credit quality company-wide. Prior to joining Exchange, Mr. Taylor
worked as chief credit officer and "work-out specialist" with a large
international financial services organization. In commenting on Mr. Taylor's
addition, Chairman & CEO Smith stated, "Asset quality is one of our highest
priorities and as our loan portfolio continues to grow, it is imperative that we
have an entity-wide review process in place which focuses on changes in credit
quality."

Our Branson and Lee's Summit offices moved into their permanent facilities
during the second quarter. The 11,000 square foot Branson facility is located at
4675 Gretna Road and our 12,000 square foot Lee's Summit facility is located at
300 SW Longview Blvd. We are excited about the opportunity to serve customers in
these new facilities and look forward to growing in these expanding markets.


<PAGE>


We are also pleased to be included in the newly launched index for microcap
companies effective last June. Chairman & CEO Smith stated, "Inclusion in the
nationally recognized index is another milestone for Exchange and we look
forward to the broadened investor awareness that may result."

ABOUT EXCHANGE NATIONAL BANCSHARES

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; Bank 10 with locations in Belton, Drexel,
Harrisonville, Independence and Raymore; 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.

Contact:          Kathleen Bruegenhemke
                  Senior Vice President, Investor Relations
                  TEL: 573.761.6100   FAX: 573.761.6272
                  www.exchangebancshares.com
                  --------------------------


<PAGE>


FINANCIAL SUMMARY

(UNAUDITED)

<Table>
<Caption>

Balance sheet information:                    June 30, 2005       December 31, 2004
<S>                                          <C>                  <C>
       Loans, net of allowance
         for loan losses                     $  780,411,838       $  629,141,036
       Debt and equity securities               216,593,498          171,717,635
       Total assets                           1,166,417,805          923,874,270
       Deposits                                 918,127,753          726,649,476
       Stockholders' equity                      94,539,759           91,770,783
</Table>


<Table>
<Caption>
                                                Three Months         Three Months
Statement of income information:            Ended June 30, 2005  Ended June 30, 2004
<S>                                         <C>                  <C>
       Total interest income                      $13,887,263        $ 9,984,344
       Total interest expense                       5,811,106          3,181,269
       Net interest income                          8,076,157          6,803,075
       Provision for loan losses                      237,667            210,500
       Noninterest income                           1,797,191          1,550,814
       Noninterest expense                          6,260,857          4,990,709
       Income taxes                                 1,030,021          1,023,712
       Net income                                   2,344,803          2,128,968
</Table>

<Table>
<Caption>
                                                  Six Months            Six Months
Statement of income information:               Ended June 30, 2005  Ended June 30, 2004
<S>                                            <C>                  <C>
       Total interest income                      $25,414,641        $19,746,197
       Total interest expense                      10,251,373          6,135,662
       Net interest income                         15,163,268         13,610,535
       Provision for loan losses                      473,167            446,000
       Noninterest income                           3,128,535          2,997,469
       Noninterest expense                         11,236,115          9,662,972
       Income taxes                                 2,000,104          2,076,265
       Net income                                   4,582,417          4,422,767
</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-----
