<TABLE> <S> <C>


<ARTICLE>                                            9
<CIK>                         0000858800
<NAME>                        Emclaire Financial Corp.
<MULTIPLIER>                                     1,000
<CURRENCY>                                U.S. Dollars

<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-12-1999
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               DEC-12-1999
<EXCHANGE-RATE>                                  1,000
<CASH>                                           8,182
<INT-BEARING-DEPOSITS>                           1,977
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     33,499
<INVESTMENTS-CARRYING>                           2,278
<INVESTMENTS-MARKET>                             2,269
<LOANS>                                        139,462
<ALLOWANCE>                                      1,373
<TOTAL-ASSETS>                                 192,004
<DEPOSITS>                                     168,425
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                775
<LONG-TERM>                                      2,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,745
<OTHER-SE>                                      19,059
<TOTAL-LIABILITIES-AND-EQUITY>                 192,004
<INTEREST-LOAN>                                 11,067
<INTEREST-INVEST>                                2,079
<INTEREST-OTHER>                                   506
<INTEREST-TOTAL>                                13,652
<INTEREST-DEPOSIT>                               5,533
<INTEREST-EXPENSE>                               5,647
<INTEREST-INCOME-NET>                            8,005
<LOAN-LOSSES>                                      162
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  6,167
<INCOME-PRETAX>                                  2,536
<INCOME-PRE-EXTRAORDINARY>                       1,754
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,754
<EPS-BASIC>                                       1.26
<EPS-DILUTED>                                     1.26
<YIELD-ACTUAL>                                    4.45
<LOANS-NON>                                        617
<LOANS-PAST>                                        86
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,336
<CHARGE-OFFS>                                      155
<RECOVERIES>                                        30
<ALLOWANCE-CLOSE>                                1,373
<ALLOWANCE-DOMESTIC>                               840
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            533



</TABLE>