UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

                                 --------------


                                    FORM 8-K

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

                                 --------------

       Date of Report (Date of earliest event reported): October 21, 2005

                            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

Check  the  appropriate  box  below  if the  Form  8-K  filing  is  intended  to
simultaneously  satisfy the filing obligation of the registrant under any of the
following provisions:

|_|  Written  communications  pursuant to Rule 425 under the  Securities Act (17
     CFR 230.425)

|_|  Soliciting  material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
     240.14a-12)

|_|  Pre-commencement   communications  pursuant  to  Rule  14d-2(b)  under  the
     Exchange Act (17 CFR 240.14d-2(b))

|_|  Pre-commencement   communications  pursuant  to  Rule  13e-4(c)  under  the
     Exchange Act (17 CFR 240.13e-4(c))





                            EMCLAIRE FINANCIAL CORP.
                           CURRENT REPORT ON FORM 8-K

ITEM 2.02. RESULTS OF OPERATION AND FINANCIAL CONDITION

On  October  21,  2005,  Emclaire  Financial  Corp.  announced  its  results  of
operations for the quarter ended September 30, 2005. A copy of the related press
release  is being  filed as  Exhibit  99.1 to this Form 8-K and is  incorporated
herein by reference in its entirety.  The information  furnished under Item 9.01
of this Current Report on Form 8-K,  including  Exhibit 99.1, shall be deemed to
be "filed" for purposes of the Securities Exchange Act of 1934, as amended.

ITEM 9.01. FINANCIAL STATEMENTS AND EXHIBITS.

(c)  Exhibits.

Exhibit Number      Description
--------------      -----------

99.1                Press  Release  dated  October  21,  2005 issued by Emclaire
                    Financial Corp.





                                    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:  October 21, 2005                     /s/ David L. Cox
                                            ----------------------------

                                            Name:    David L. Cox
                                            Title:   Chief Executive Officer
                                                     President