<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
The schedule contains summary financial information extracted from the
Consolidated Balance Sheets as of September 30, 2000 and December 31, 1999, and
ther elated Consolidated Income Statements for the three-and nine-months ended
September 30, 2000 and 1999, and is qualified in its entirety by reference to
such financial statements.
</LEGEND>
<CIK> 0000720912
<NAME> EXCHANGE BANCSHARES, INC.
<MULTIPLIER> 1
<CURRENCY> US DOLLARS

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JUL-01-2000
<PERIOD-END>                               SEP-30-2000
<EXCHANGE-RATE>                                      1
<CASH>                                           3,130
<INT-BEARING-DEPOSITS>                              19
<FED-FUNDS-SOLD>                                 1,727
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     15,144
<INVESTMENTS-CARRYING>                             275
<INVESTMENTS-MARKET>                               276
<LOANS>                                         79,460
<ALLOWANCE>                                        833
<TOTAL-ASSETS>                                 104,397
<DEPOSITS>                                      88,287
<SHORT-TERM>                                     5,500
<LIABILITIES-OTHER>                                674
<LONG-TERM>                                        133
                                0
                                          0
<COMMON>                                         2,909
<OTHER-SE>                                       6,894
<TOTAL-LIABILITIES-AND-EQUITY>                 104,397
<INTEREST-LOAN>                                  1,892
<INTEREST-INVEST>                                  231
<INTEREST-OTHER>                                    37
<INTEREST-TOTAL>                                 2,160
<INTEREST-DEPOSIT>                                 908
<INTEREST-EXPENSE>                               1,017
<INTEREST-INCOME-NET>                            1,143
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    976
<INCOME-PRETAX>                                    278
<INCOME-PRE-EXTRAORDINARY>                         189
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       189
<EPS-BASIC>                                       0.32
<EPS-DILUTED>                                     0.32
<YIELD-ACTUAL>                                    4.52
<LOANS-NON>                                         83
<LOANS-PAST>                                        95
<LOANS-TROUBLED>                                    16
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   898
<CHARGE-OFFS>                                      103
<RECOVERIES>                                        37
<ALLOWANCE-CLOSE>                                  832
<ALLOWANCE-DOMESTIC>                               832
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            444


</TABLE>



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