EXHIBIT 23

                          INDEPENDENT AUDITORS' CONSENT

The Board of Directors
Exchange National Bancshares, Inc:

We consent to the incorporation by reference in the registration statement (No.
333-68388) on Form S-8 of Exchange National Bancshares, Inc. of our report dated
February 21, 2003, with respect to the consolidated balance sheets of Exchange
National Bancshares, Inc. as of December 31, 2002 and 2001, and the related
consolidated statements of income, stockholders' equity and comprehensive
income, and cash flows for each of the years in the three-year period ended
December 31, 2002, which report appears in the December 31, 2002 annual report
on Form 10-K of Exchange National Bancshares, Inc.

Our report refers to Exchange National  Bancshares,  Inc. changing its method of
accounting for goodwill and other intangible assets in 2002.

/s/KPMG

St. Louis, Missouri
March 21, 2003