EXHIBIT 5




        [Letterhead of Luse Lehman Gorman Pomerenk & Schick, P.C.]           


                                                                (202) 274-2008
   
August 11, 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. (the "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 for the use of the Company in connection 
with the Form SB-2.  We hereby consent to our firm being referenced under the 
caption "Legal and Tax Matters."
    
                   Very truly yours,

                   Luse Lehman Gorman Pomerenk & Schick
                   A Professional Corporation



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