EXHIBIT 99.1



CONTACT: David B. Cook, President               FOR IMMEDIATE RELEASE
(606)248-1095


           HFB FINANCIAL CORPORATION ANNOUNCES PLANNED ACQUISITION OF
           HARLAN, KENTUCKY BRANCH OF NATIONAL CITY BANK OF KENTUCKY

Middlesboro, Kentucky  June 1, 1999  HFB Financial Corporation, the parent
company of Home Federal Bank, announced that it has signed an agreement with
National City Bank of Kentucky to acquire its Harlan, Kentucky branch office.

Under the terms of the Agreement, Home Federal will assume approximately $17.2
million of deposits from National City Bank.  The acquisition is expected to be
completed in three months and is subject to regulatory approval.

"This transaction will strengthen Home Federal's presence in Harlan County and
will permit us to become a more effective competitor in that market.  With our
expanded branch network, we will be well positioned to deliver a full array of
banking services to customers in Harlan County," said David B. Cook, President
and Chief Executive Officer of the Company.  "We are excited about welcoming
National City's Harlan customers to Home Federal, and we are committed to
providing our new customers with the highest level of service," added Mr. Cook.

HFB Financial Corporation is the holding company for Home Federal Bank, which
serves Eastern Kentucky and Northeastern Tennessee from its main office in
Middlesboro, Kentucky and branch offices in Harlan, Kentucky and New Tazewell,
Tennessee.  At March 31, 1999, HFB Financial Corporation had total assets of
$192.2 million and stockholders' equity of $17.9 million.