EXHIBIT 23.1




                          INDEPENDENT AUDITOR'S CONSENT


We consent to the incorporation by reference in this  Registration  Statement of
Emclaire  Financial  Corp.  on Form S-4 of our report  dated  February  6, 1998,
included and  incorporated  by reference in the Annual  Report on Form 10-KSB of
Emclaire Financial Corp. for the year ended December 31, 1997.

Further,  we consent to the  incorporation  by  reference  in this  Registration
Statement  of our report  dated July 25,  1997,  included  and  incorporated  by
reference  in the  Annual  Report on Form 10- KSB of Peoples  Savings  Financial
Corporation for the fiscal year ended June 30, 1997.

We also  consent to the  reference  to us under the  headings  "Experts"  in the
Prospectus/Joint Proxy Statement which is part of the Registration Statement.



/s/ S.R. Snodgrass, A.C.


Wexford, PA
May 7, 1998