UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

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

                                   FORM 8-K/A

                                 CURRENT REPORT

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

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

        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 and
update  exhibit  16.1,  Letter of S.R.  Snodgrass,  A.C. re: Change in Certified
Public Accountants.

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 3, 2002                 BY:    /s/ William C. Marsh
                                            ------------------------------

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