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): August 13, 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






                            EMCLAIRE FINANCIAL CORP.
                           CURRENT REPORT ON FORM 8-K


ITEM 7.  FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS.

(c)  Exhibits.

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

99.1                       Press Release dated August 13, 2004 issued by
                           Emclaire Financial Corp.


ITEM 9.  REGULATION FD DISCLOSURE (Results of Operations and Financial
Condition)

On August 13, 2004, Emclaire Financial Corp. announced its results of operations
for the quarter ended June 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 12 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.








                                    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: August 13, 2004                          /s/ David L. Cox
                                               ---------------------------------
                                               Name:  David L. Cox
                                               Title: Chief Executive Officer
                                                      President