EXHIBIT 23.1


                          HARVAZINSKI & MONTANYE, LLP
                          CERTIFIED PUBLIC ACCOUNTANTS
                              21 EVERETT ROAD EXT.
                             ALBANY, NEW YORK 12205
                                ----------------
                                 (518) 453-0636
                               FAX (518) 459-0208
                                  
                                  
                                  
                                  
                                  
                                  
                                  
                             ACCOUNTANTS' CONSENT
                                           
                                           
                            The Board of Directors
                            Landmark Community Bank
                                           
                                           
    We consent to the use in the Registration Statement of Landmark Financial
Corp. on Form SB-2 and the Application for Conversion on Form AC of our report
dated May 8, 1997, on the Financial statements of Landmark Community Bank as of
March 31, 1997 and 1996, and for the fiscal years ended March 31, 1997 and 1996,
and to the references to our firm under the headings "Legal and Tax Matters" and
"Experts" in the related prospectus.
    
    
                                     /s/ Harvazinski & Montanye, LLP

    
Albany, New York
June 20, 1997