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, 2005 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
Treasurer
Principal Financial and Accounting Officer


August 11, 2005