EMCLAIRE FINANCIAL CORP
NT 10-K, 2000-03-30
NATIONAL COMMERCIAL BANKS
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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                   FORM 12b-25                   SEC FILE NUMBER
                                                                 000-18464

                          NOTIFICATION OF LATE FILING

(Check One): Form 10-K [X]  Form 20-F [ ]  Form 11-K  Form 10-QSB [ ] Form N-SAR

                                                                    CUSIP NUMBER
                                                                    290828102

         For Period Ended: December 31, 1999
         [ ] Transition Report on Form 10-K
         [ ] Transition Report on Form 20-F
         [ ] Transition Report on Form 11-K
         [ ] Transition Report on Form 10-Q
         [ ] Transition Report on Form N-SAR
         For the Transition Period Ended:

         -------------------------------------------------------------------

  Read Instruction (on back page) Before Preparing Form. Please Print or Type.

      Nothing in this form shall be construed to imply that the Commission
                 has verified any information contained herein.

If the notification relates to a portion of the filing checked above, identify
the Item(s) to which the notification relates:

- --------------------------------------------------------------------------------

PART I - REGISTRANT INFORMATION

- --------------------------------------------------------------------------------

Full Name of Registrant
EMCLAIRE FINANCIAL CORP.

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Former Name if Applicable


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Address of Principal Executive Office (Street and Number)
612 MAIN STREET

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City, State and Zip Code
EMLENTON, PENNSYLVANIA  16373


PART II - RULES 12b-25(b) AND (c)

If the subject report could not be filed without unreasonable effort or expense
and the registrant seeks relief pursuant to Rule 12b-25(b), the following should
be completed. (Check box if appropriate)

    [X]    (a)    The reasons described in reasonable detail in Part III of this
                  form could not be eliminated without unreasonable effort or
                  expense;
    [ ]    (b)    The subject annual report, semi-annual report, transition
                  report on Form 10-K, Form 20-F, 11-K or Form N-SAR, or portion
                  thereof, will be filed on or before the fifteenth calendar day
                  following the prescribed due date; or the subject quarterly
                  report of transition report on Form 10-Q, or portion thereof
                  will be filed on or before the fifth calendar day following
                  the prescribed due date; and
    [ ]    (c)    The accountant's statement or other exhibit required by Rule
                  12b-25(c) has been attached if applicable.

<PAGE>

PART III - NARRATIVE

State below in reasonable detail the reasons why Forms 10-K, 20-F, 11-K, 10-Q,
N-SAR, or the transition report or portion thereof, could not be filed within
the prescribed time period.

Due to the unavailability of certain financial data necessary to complete the
subject report and changes in professional representation, the subject report
could not be timely filed.

PART IV - OTHER INFORMATION

(1)      Name and telephone number of person to contact in regard to this
         notification

               John J. Boczar         (724)              867-2311
               --------------      -----------      ------------------
               (Name)              (Area Code)      (Telephone Number)

(2)      Have all other periodic reports required under Section 13 or 15(d) of
         the Securities Exchange Act of 1934 or Section 30 of the Investment
         Company Act of 1940 during the preceding 12 months or for such shorter
         period that the registrant was required to file such report(s) been
         filed? If answer is no, identify report(s).  [X] Yes   [ ] No


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(3)      Is it anticipated that any significant change in results of operations
         from the corresponding period for the last fiscal year will be
         reflected by the earnings statement to be included in the subject
         report or portion thereof?  [ ] Yes   [X] No

         If so, attach an explanation of the anticipated change, both
         narratively and quantitatively, and, if appropriate, state the reasons
         why a reasonable estimate of the results cannot be made.


- --------------------------------------------------------------------------------


                            EMCLAIRE FINANCIAL CORP.
                            ------------------------
                  (Name of Registrant as Specified in Charter)

has caused this notification to be signed on its behalf by the undersigned
hereunto duly authorized.

Date March 30, 2000                     By /s/ John J. Boczar
     ----------------------                -------------------------------
                                           John J. Boczar, Treasurer



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