INDEPENDENT AUDITOR'S CONSENT We consent to the use in this Registration Statement of Emclaire Financial Corp. on Form SB-2 of our report dated February 16, 1996, except for Note 15, as to which the date is June 20, 1996, appearing in the Prospectus, which is part of this Registration Statement. We also consent to the reference to us under the headings "Experts" in such Prospectus. /s/S.R. Snodgrass, A.C. Wexford, PA September 4, 1996