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 June 30, 2004 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:

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

     (2)  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

August 13, 2004