UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549


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                                   FORM 8-K/A

                                 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
 ------------------        -------------------      --------------------
  (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

This Form 8-K/A amends the Form 8-K filed on March 21, 2002 to include exhibit
16.1, Letter of S.R. Snodgrass, A.C. re: Change in Certified Public Accountants,
and to clarify certain other matters.

a.   Effective March 21, 2002, Emclaire Financial Corp. (the Corporation)
     dismissed and 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)(iv) 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






                                    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:
April 1, 2002                BY:    /s/ William C. Marsh
                                    -------------------------------------

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