EMCLAIRE FINANCIAL CORP
10QSB, EX-27, 2000-08-14
NATIONAL COMMERCIAL BANKS
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<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                   1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-END>                                   JUN-30-2000
<CASH>                                               6,992
<INT-BEARING-DEPOSITS>                                 239
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         29,180
<INVESTMENTS-CARRYING>                                 768
<INVESTMENTS-MARKET>                                   763
<LOANS>                                            150,070
<ALLOWANCE>                                          1,391
<TOTAL-ASSETS>                                     195,095
<DEPOSITS>                                         169,368
<SHORT-TERM>                                         2,170
<LIABILITIES-OTHER>                                    877
<LONG-TERM>                                          2,000
                                    0
                                              0
<COMMON>                                             1,745
<OTHER-SE>                                          18,935
<TOTAL-LIABILITIES-AND-EQUITY>                     195,095
<INTEREST-LOAN>                                      6,016
<INTEREST-INVEST>                                    1,038
<INTEREST-OTHER>                                        18
<INTEREST-TOTAL>                                     7,072
<INTEREST-DEPOSIT>                                   2,702
<INTEREST-EXPENSE>                                   2,796
<INTEREST-INCOME-NET>                                4,276
<LOAN-LOSSES>                                           97
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      3,470
<INCOME-PRETAX>                                      1,213
<INCOME-PRE-EXTRAORDINARY>                           1,213
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           851
<EPS-BASIC>                                           0.63
<EPS-DILUTED>                                         0.63
<YIELD-ACTUAL>                                        4.75
<LOANS-NON>                                            656
<LOANS-PAST>                                           115
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     1,373
<CHARGE-OFFS>                                          102
<RECOVERIES>                                            23
<ALLOWANCE-CLOSE>                                    1,391
<ALLOWANCE-DOMESTIC>                                   818
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                573



</TABLE>


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