EXHIBIT 32.2

      PRINCIPAL FINANCIAL AND ACCOUNTING OFFICER CERTIFICATION PURSUANT TO
                            18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                 SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In  connection  with  the  Annual  Report  of  Emclaire   Financial  Corp.  (the
"Corporation")  on Form 10-K for the year ending December 31, 2005 as filed with
the  Securities  and Exchange  Commission  on the date here (the  "Report"),  I,
Shelly L. Rhoades,  Treasurer and 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
Treasurer
March 27, 2006