EXHIBIT 5



            [LETTERHEAD OF LUSE LEHMAN GORMAN POMERENK & SCHICK]


June 20, 1997

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

         Re:  Landmark Financial Corp.
              Common Stock Par Value $.10 Per Share

Gentlemen:

    You have requested the opinion of this firm as to certain matters in 
connection with the offer and sale (the "Offering") of the Landmark Financial 
Corp. ("Company") Common Stock par value $.10 per share ("Common Stock").  We 
have reviewed the Company's Certificate of Incorporation, Registration 
Statement on Form SB-2 ("Form SB-2"), as well as applicable statutes and 
regulations governing the Company and the offer and sale of the Common Stock.

    We are of the opinion that upon the declaration of effectiveness of the 
Form SB-2, the Common Stock, when sold, will be legally issued, fully paid 
and non-assessable.

    This opinion has been prepared solely for the use of the Company in 
connection with the Form SB-2, and should not be used for any other purpose 
nor relied upon by any other person (except for the Securities and Exchange 
Commission in connection with its processing of the Form SB-2 and prospective 
investors in the Offering), without the prior written consent of this firm.  
We hereby consent to our firm being referenced under the caption "Legal 
Opinions."

                        Very truly yours,

                        Luse Lehman Gorman Pomerenk & Schick
                        A Professional Corporation


                        By:        /s/ Alan Schick
                            -------------------------------
                                   Alan Schick, Esq.