Exhibit 32.2

                          PFO CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350



In  connection  with the  Quarterly  Report of  Emclaire  Financial  Corp.  (the
Corporation) on Form 10-Q for the period ending September 30, 2003 as filed with
the Securities and Exchange  Commission on the date here (the Report), I, Shelly
L. Rhoades,  Principal  Financial  and  Accounting  Officer of the  Corporation,
certify,  pursuant to 18 U.S.C.  ss. 1350, as adopted pursuant to ss. 906 of the
Sarbanes-Oxley Act of 2002, that:

(3)  The Report fully complies with the  requirements  of section 13(a) or 15(d)
     of the Securities Exchange Act of 1934; and

(4)  The information  contained in the Report fairly  presents,  in all material
     respects,   the  financial  condition  and  result  of  operations  of  the
     Corporation.



/s/  Shelly L. Rhoades
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Shelly L. Rhoades
Principal Financial and Accounting Officer


May 14, 2004