EXHIBIT 24.1

CONFORMED
                               POWERS OF ATTORNEY


     KNOW ALL MEN BY THESE PRESENT, that each person whose signature appears
below constitutes and appoints John P. Hyland, as true and lawful attorney-in-
fact and agent with full power of substitution and resubstitution, for them and
in their name, place and stead, in any and all capacities to sign any or all
amendments to the Application for Conversion by Security Federal Bank, a Federal
Savings Bank and the Form SB-2 Registration Statement by Security Financial
Bancorp, Inc. and to file the same, with all exhibits thereto, and other
documents in connection therewith, with the Office of Thrift Supervision of the
Department of the Treasury (the "OTS") or the U.S. Securities and Exchange
Commission, respectively, granting unto said attorneys-in-fact and agents full
power and authority to do and perform each and every act and thing requisite and
necessary to be done as fully to all intents and purposes as they might or could
do in person, hereby ratifying and confirming all that said attorneys-in-fact
and agents or their substitute or substitutes may lawfully do or cause to be
done by virtue hereof.

     Pursuant to the requirements of Part 563b of the OTS Rules and Regulations
and the Securities Act of 1933, as amended, and any rules and regulations
promulgated thereunder, the foregoing Power of Attorney prepared in conjunction
with the Application for Conversion and the Registration Statement has been duly
signed by the following persons in the capacities and on the dates indicated.

     NAME                                                  DATE
     ----                                                  ----


                                                           September   , 1999
- -----------------------------------
John P. Hyland
President, Chief Executive Officer
and Director
(principal executive officer)
Security Financial Bancorp, Inc.

President, Chief Executive Officer
and Director
(principal executive officer)
Security Federal Bank, a Federal Savings Bank


                                                           September   , 1999
- -----------------------------------
James H. Foglesong
Executive Vice President and Chief Financial Officer
(principal accounting and financial officer)
Security Financial Bancorp, Inc.

Executive Vice President and Chief Financial Officer
(principal accounting and financial officer)
Security Federal Bank, a Federal Savings Bank



                                                           September   , 1999
- ---------------------------------------
Mary Beth Bonaventura
Chairman of the Board
Security Financial Bancorp, Inc.

Chairman of the Board
Security Federal Bank, a Federal Savings Bank


                                                           September   , 1999
- -------------------------------
Lawrence R. Parducci
Vice Chairman of the Board and Corporate Secretary
Security Financial Bancorp, Inc.

Vice Chairman of the Board
Security Federal Bank, a Federal Savings Bank



/s/ Howard O. Cyrus, Sr.                                   September 20, 1999
- --------------------------------
Howard O. Cyrus, Sr.
Director
Security Financial Bancorp, Inc.

Director
Security Federal Bank, a Federal Savings Bank


                                                           September   , 1999
- -------------------------------------
Dr. Peter Ferrini
Director
Security Financial Bancorp, Inc.

Director
Security Federal Bank, a Federal Savings Bank



                                                           September   , 1999
- ------------------------------------
Tula Kavadias
Director
Security Financial Bancorp, Inc.

Director
Security Federal Bank, a Federal Savings Bank



                                                           September   , 1999
- -------------------------------------
Philip T. Rueth
Director
Security Financial Bancorp, Inc.

Director
Security Federal Bank, a Federal Savings Bank



                                                           September   , 1999
- -----------------------------------
Robert L. Lauer
Director
Security Financial Bancorp, Inc.

Director
Security Federal Bank, a Federal Savings Bank


                                                           September   , 1999
- -----------------------------------
Robert A. Vellutini
Director
Security Financial Bancorp, Inc.

Director
Security Federal Bank, a Federal Savings Bank