Business Editors

EMLENTON, Pa.----The Board of
Directors of Emclaire Financial Corp .

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First To Care Home Care, Inc.

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David L.
"We are extremely proud that First to Care has improved the lives of tens
of thousands of New York seniors over the past 20 years. We are honored to be
named as a National Best Practice Agency," says Maxine Hochhauser, Executive
Vice President /Chief Operating Officer, Delivery System. is a participating program of Metropolitan
Jewish Health System (MJHS).

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Emclaire Financial Corp. Announces Quarterly Dividend

Emclaire Financial Corp . NEW YORK, First to Care Home Care, Inc.

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provides services, such as nursing care and
rehabilitation , which are a continuation of hospital care-delivered in the
familiar surroundings of a patient's home. MJHS is a recognized leader in the field of
integrated health care. MJHS' services
include Home Care, Hospice, Skilled Nursing Facilities, Adult Day Health Care,
HomeFirst and Elderplan.

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According to the nationally reported CMS Home Health Compare, First to
Care's low hospitalization rates resulted in a ranking among the top 10% of
the most successful agencies in the country for acute care hospitalization.

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25 per share payable on June 17,
2005, to shareholders of record on June 1, 2005. Cox, Chairman of the Board, President and Chief Executive
Officer of the Corporation and the Bank, noted that this regular
quarterly dividend reflects the Corporation's continued stable
operating results and growth during recent quarters.

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was named
as a National Best Practice Agency by Briggs Corporation, the National
Association for Home Care and Fazzi Associates in the National Home Care
Quality Improvement/Hospitalization Reduction Project.

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MJHS' participating agencies and programs have nearly
a century of health care experience and serve over 30,000 individuals and
their families in the Greater Metropolitan New York area.org.

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For more information, call (718) 921-7601 or visit http://www.

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The
Corporation's common stock is quoted on and traded through the OTC
Electronic Bulletin Board under the symbol "EMCF.

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First To Care Home Care, Inc.

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(OTCBB:EMCF), the parent holding
company of the Farmers National Bank of Emlenton , declared a quarterly
cash dividend on May 18, 2005 of $0.

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mjhs.

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is the parent company of the Farmers
National Bank of Emlenton, an independent, nationally chartered,
FDIC-insured community commercial bank headquartered in Emlenton,
Pennsylvania, operating ten full service offices in Venango, Butler ,
Clarion, Clearfield, Elk and Jefferson Counties, Pennsylvania.

First to Care Home Care Inc. Named National Best Practice Agency

General information about Ocularists.

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"We look forward to
continuing to improve the quality of care for seniors in Greater Metropolitan
of New York.

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