<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
The schedule contains summary financial information extracted from the
Consolidated Balance Sheets as of December 31, 1999 and 1998, and the related
Consolidated Income Statements for the twelve months ended December 31, 1999 and
1998, and is qualified in its entirety by reference to such financial
statements.
</LEGEND>
<RESTATED>
<CIK> 0000720912
<NAME> EXCHANGE BANCSHARES INC.
<MULTIPLIER> 1
<CURRENCY> US DOLLARS

<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<EXCHANGE-RATE>                                      1
<CASH>                                           3,646
<INT-BEARING-DEPOSITS>                              23
<FED-FUNDS-SOLD>                                 1,434
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     16,866
<INVESTMENTS-CARRYING>                             276
<INVESTMENTS-MARKET>                               279
<LOANS>                                         71,955
<ALLOWANCE>                                      1,008
<TOTAL-ASSETS>                                  98,599
<DEPOSITS>                                      83,541
<SHORT-TERM>                                     5,000
<LIABILITIES-OTHER>                                646
<LONG-TERM>                                        152
                                0
                                          0
<COMMON>                                         2,761
<OTHER-SE>                                       6,499
<TOTAL-LIABILITIES-AND-EQUITY>                  98,599
<INTEREST-LOAN>                                  6,020
<INTEREST-INVEST>                                1,028
<INTEREST-OTHER>                                   168
<INTEREST-TOTAL>                                 7,216
<INTEREST-DEPOSIT>                               3,151
<INTEREST-EXPENSE>                               3,187
<INTEREST-INCOME-NET>                            4,029
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,716
<INCOME-PRETAX>                                    925
<INCOME-PRE-EXTRAORDINARY>                         643
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       643
<EPS-BASIC>                                       1.12
<EPS-DILUTED>                                     1.12
<YIELD-ACTUAL>                                    4.03
<LOANS-NON>                                         10
<LOANS-PAST>                                        74
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,542
<CHARGE-OFFS>                                      594
<RECOVERIES>                                        60
<ALLOWANCE-CLOSE>                                1,008
<ALLOWANCE-DOMESTIC>                             1,008
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            219


</TABLE>



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