EXHIBIT 23.1





                                 [LETTERHEAD]







                                 ACCOUNTANT'S CONSENT

                                           
The Board of Directors
Landmark Community Bank
                                           
    I 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 my 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 my firm under the headings "Legal and Tax Matters" and
"Experts" in the related prospectus.


                                      /s/ Eric W. Montanye, CPA
                                      


Albany, New York
July 31, 1997