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 me under the headings "Legal and Tax Matters" 
and "Experts" in the related prospectus.
    
                                      /s/ Eric W. Montanye, CPA
                                      

   
Albany, New York
August 8, 1997