UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549


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                                    FORM 8-K

                                 CURRENT REPORT

                         Pursuant to Section 13 or 15(d)
                     of the Securities Exchange Act of 1934

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        Date of Report (Date of earliest event reported): March 21, 2002



                            EMCLAIRE FINANCIAL CORP.
             (Exact name of registrant as specified in its charter)


 Pennsylvania                 000-18464               25-1606091
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(State or other              (Commission            (IRS Employer
jurisdiction of              File Number)           Identification No.)
incorporation)



        612 Main Street, Emlenton, PA                  16373
        (Address of principal executive offices)       (Zip Code)



Registrant's telephone number, including area code: (724) 867-2311







Item 4. Change in Registrant's Certifying Accountant

a.   Effective March 21, 2002, Emclaire Financial Corp. (the Corporation)
     replaced its independent auditors, S.R.Snodgrass, A.C. (Snodgrass) with
     Crowe, Chizek and Company LLP (Crowe Chizek). Snodgrass' report on the
     Corporation's consolidated financial statements during the two most recent
     fiscal years preceding the date hereof contained no adverse opinion or a
     disclaimer of opinions, and was not qualified or modified as to
     uncertainty, audit scope or accounting principles. The decision to change
     accountants was approved by the Corporation's Audit Committee. During the
     last two fiscal years and the subsequent interim period to the date hereof,
     there were no disagreements between the Corporation and Snodgrass on any
     matters of accounting principles or practices, financial statement
     disclosure, or auditing scope or procedure, which disagreement(s), if not
     resolved to the satisfaction of Snodgrass, would have caused it to make a
     reference to the subject matter of the disagreement(s) in connection with
     its reports. None of the "reportable events" described in Item 304(a)(1)(v)
     of Regulation S-B occurred with respect to the Corporation within the last
     two fiscal years and the subsequent interim period to the date hereof.

b.   Effective March 21, 2002, the Corporation engaged Crowe Chizek as its
     independent auditors for the fiscal year ending December 31, 2002. During
     the last two fiscal years and the subsequent interim period to the date
     hereof, the Corporation did not consult Crowe Chizek regarding any of the
     matters or events set forth in Item 304(a)(2)(i) and (ii) of Regulation
     S-B.

The Corporation has requested Snodgrass to furnish it with a letter addressed to
the Securities and Exchange Commission stating whether it agrees with the above
statements.

Exhibits

Exhibit Number             Description

16.1                       Letter of S.R. Snodgrass, A.C. re: Change in
                           Certified Public Accountants
                           (to be filed by amendment)





                                    SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the
Registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.



EMCLAIRE FINANCIAL CORP.




Date:  March 21, 2002                      BY:    /s/ William C. Marsh
                                                  ------------------------------

                                          Name:      William C. Marsh
                                          Title:     Principal Financial Officer
                                                     Secretary/Treasurer
                                                     Chief Financial Officer