Exhibit 16.1




March 20, 2002



Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, D.C.  20549

Commissioners:

We have read the statements made by Emclaire Financial Corp. (copy attached),
which we understand will be filed with the Commission, pursuant to Item 4 of
Form 8-K, as part of the Company's Form 8-K report dated March 21, 2002. We
agree with the statements concerning our Firm contained in such Form 8-K.

Very truly yours,

/s/ S.R. Snodgrass, A.C.

S.R. Snodgrass, A.C.


cc:  Emclaire Financial Corp.