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