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 22, 2004

                            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 22, 2004, Emclaire Financial Corp. announced its results of
operations for the quarter ended September 30, 2004. 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 22, 2004 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 22, 2004              David L. Cox
                                     -----------------------------------
                                     Name:      David L. Cox
                                     Title:     Chief Executive Officer
                                                President