[Letterhead of FinPro, Inc.]


August 11, 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
August 11, 1997