CITIZENS COMMUNITY BANCORP INC
10QSB, EX-27.1, 2000-08-04
STATE COMMERCIAL BANKS
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<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from Form 10-QSB
for the period ended June 30, 2000 and is qualified in its entirety by reference
to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                           5,702
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,066
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      5,526
<INVESTMENTS-CARRYING>                          13,000
<INVESTMENTS-MARKET>                            12,599
<LOANS>                                        109,088
<ALLOWANCE>                                      1,053
<TOTAL-ASSETS>                                 140,688
<DEPOSITS>                                     113,855
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              8,555
<LONG-TERM>                                          0
                                0
                                          0
<COMMON>                                            35
<OTHER-SE>                                      18,243
<TOTAL-LIABILITIES-AND-EQUITY>                 140,688
<INTEREST-LOAN>                                  3,991
<INTEREST-INVEST>                                  541
<INTEREST-OTHER>                                   142
<INTEREST-TOTAL>                                 4,674
<INTEREST-DEPOSIT>                               1,928
<INTEREST-EXPENSE>                               1,973
<INTEREST-INCOME-NET>                            2,702
<LOAN-LOSSES>                                      245
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,517
<INCOME-PRETAX>                                    787
<INCOME-PRE-EXTRAORDINARY>                         787
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       490
<EPS-BASIC>                                        .14
<EPS-DILUTED>                                      .14
<YIELD-ACTUAL>                                    4.66
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   886
<CHARGE-OFFS>                                       78
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,053
<ALLOWANCE-DOMESTIC>                             1,053
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>


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