UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

                                 ______________

                                    FORM 8-K

                                 CURRENT REPORT

                         Pursuant to Section 13 or 15(d)
                     of the Securities Exchange Act of 1934

                                 ______________

       Date of Report (Date of earliest event reported): January 25, 2005

                            EMCLAIRE FINANCIAL CORP.
             (Exact name of registrant as specified in its charter)


       Pennsylvania          000-18464                        25-1606091
-------------------------    -----------------------    ----------------------
(State or other              (Commission                (IRS Employer
jurisdiction of              File Number)               Identification No.)
incorporation)



                       612 Main Street, Emlenton, PA 16373
               (Address of principal executive offices) (Zip Code)


Registrant's telephone number, including area code: (724) 867-2311

Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions:

[] Written communications pursuant to Rule 425 under the Securities Act
   (17 CFR 230.425)

[] Soliciting material pursuant to Rule 14a-12 under the Exchange Act
   (17 CFR 240.14a-12)

[] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange
   Act (17 CFR 240.14d-2(b))

[] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange
   Act (17 CFR 240.13e-4(c))

Item 4.01. Change in Registrant's Certifying Accountant

a.   On January 19, 2005, Emclaire Financial Corp. (the Corporation) determined
     to replace its independent auditors, Crowe Chizek and Company LLC (Crowe
     Chizek) with Beard Miller Company LLP (Beard Miller) for its fiscal year
     ending December 31, 2005. Crowe Chizek will complete its engagement as
     independent auditor for the Corporation's fiscal year ended December 31,
     2004 upon the filing of the Corporation's Form 10-K for the year ended
     December 31, 2004. Crowe Chizek's report on the Corporation's consolidated
     financial statements during the two most recent fiscal years preceding the
     date hereof contained no adverse opinion or a disclaimer of opinions, and
     was not qualified or modified as to uncertainty, audit scope or accounting
     principles. The decision to change accountants was approved by the
     Corporation's Audit Committee. During the last two fiscal years and the
     subsequent interim period to the date hereof, there were no disagreements
     between the Corporation and Crowe Chizek on any matters of accounting
     principles or practices, financial statement disclosure, or auditing scope
     or principles, which disagreement(s), if not resolved to the satisfaction
     of Crowe Chizek, would have caused it to make a reference to the subject
     matter of the disagreement(s) in connection with its reports. None of the
     "reportable events" described in Item 304(a)(1)(v) of Regulation S-K
     occurred with respect to the Corporation within the last two fiscal years
     and the subsequent interim period to the date hereof.

     The Corporation has requested Crowe Chizek to furnish it with a letter
     addressed to the Securities and Exchange Commission stating whether it
     agrees with the above statements.

b.   Effective January 19, 2005, the Corporation engaged Beard Miller as its
     independent auditors for the fiscal year ending December 31, 2005. During
     the last two fiscal years and the subsequent interim period to the date
     hereof, the Corporation did not consult Beard Miller regarding any of the
     matters or events set forth in Item 304(a)(2)(i) and (ii) of Regulation
     S-K.


Item 9.01.  Financial Statements and Exhibits

Exhibit Number             Description

16.1     Letter of Crowe Chizek and Company LLC re: Change in Certified Public
         Accountants.
         (to be filed by amendment)

                                    SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the
Registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.



EMCLAIRE FINANCIAL CORP.




Date:  January 25, 2005                   BY:    /s/ Shelly L. Rhoades
                                                 -------------------------------
                                        Name:        Shelly L. Rhoades
                                        Title:       Principal Financial Officer
                                                     Treasurer