In skillet cook sausage, onion, and garlic till meat is browned and onion is tender; drain off fat.
Stir in undrained navy beans, cubed ham, white wine, parsley, bay leaf, and cloves.
Turn mixture into a 11/2-quart casserole.
Cover and bake in 325Â° oven for 45 minutes.
Uncover; bake for 40 to 45 minutes more, stirring occasionally.
Remove bay leaf.
Serve in bowls.