EXHIBIT 23.2






                             [FINPRO LETTERHEAD]

June 20, 1997

Board of Directors
Landmark Community Bank
26 Church Street
Canajoharie, New York 13317-1117

Dear Board Members:

We hereby consent to the use of our firm's name, FinPro, Inc. ("FinPro") in the
Form SB-2 Registration Statement and Amendments thereto of Landmark Financial
Corp. so filed with the Securities and Exchange Commission, the Form AC
Application for Conversion and the prospectus included therein filed by Landmark
Community Bank and any amendments thereto, for the Valuation Appraisal Report
("Report") regarding the valuation of Landmark Community Bank provided by
FinPro, and our opinion regarding subscription rights filed as exhibits to the
Form SB-2 and Form AC referred to above.  We also consent to the use of our
firm's name and the inclusion of, summary of and references to our Report and
Opinion in the prospectus included in the Form SB-2, and any amendments thereto.


                                       Very Truly Yours,


                                       /s/ Donald J. Musso
                                       Donald J. Musso

Liberty Corner, New Jersey
June 20, 1997