<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
The schedule contains summary financial information extracted from the
Consolidated Balance Sheets as of June 30, 2000 and December 31, 1999, and the
related Consolidated Income Statements for the three- and six-months ended June
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>                             APR-01-2000
<PERIOD-END>                               JUN-30-2000
<EXCHANGE-RATE>                                      1
<CASH>                                           2,716
<INT-BEARING-DEPOSITS>                              39
<FED-FUNDS-SOLD>                                 1,210
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     15,230
<INVESTMENTS-CARRYING>                             275
<INVESTMENTS-MARKET>                               276
<LOANS>                                         78,085
<ALLOWANCE>                                        898
<TOTAL-ASSETS>                                 102,127
<DEPOSITS>                                      84,833
<SHORT-TERM>                                     7,500
<LIABILITIES-OTHER>                                614
<LONG-TERM>                                        134
                                0
                                          0
<COMMON>                                         2,909
<OTHER-SE>                                       6,637
<TOTAL-LIABILITIES-AND-EQUITY>                 102,127
<INTEREST-LOAN>                                  1,789
<INTEREST-INVEST>                                  219
<INTEREST-OTHER>                                    31
<INTEREST-TOTAL>                                 2,039
<INTEREST-DEPOSIT>                                 833
<INTEREST-EXPENSE>                                 920
<INTEREST-INCOME-NET>                            1,119
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    981
<INCOME-PRETAX>                                    269
<INCOME-PRE-EXTRAORDINARY>                         197
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       197
<EPS-BASIC>                                       0.34
<EPS-DILUTED>                                     0.34
<YIELD-ACTUAL>                                    4.63
<LOANS-NON>                                        114
<LOANS-PAST>                                        97
<LOANS-TROUBLED>                                    16
<LOANS-PROBLEM>                                  3,500
<ALLOWANCE-OPEN>                                   990
<CHARGE-OFFS>                                      124
<RECOVERIES>                                        32
<ALLOWANCE-CLOSE>                                  898
<ALLOWANCE-DOMESTIC>                               898
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            485


</TABLE>



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