UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 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): July 9, 2003


                         Home Loan Financial Corporation
              -----------------------------------------------------
             (Exact name of registrant as specified in its charter)



             Ohio                         0-23927                31-1578552
- ----------------------------           ------------          ------------------
(State or other jurisdiction           (Commission              (IRS Employer
      of incorporation)                File Number)          Identification No.)




                     401 Main Street, Coshocton, Ohio 43812
                   ------------------------------------------
               (Address of principal executive offices) (Zip Code)


       Registrant's telephone number, including area code: (740) 622-0444
                                                           --------------


           ----------------------------------------------------------
          (Former name or former address, if changed since last report)






                                    FORM 8-K


Item 5.  Other Events and Regulation FD Disclosure.


         On July 9, 2003, Home Loan Financial Corporation issued a press release
regarding a declaration of dividends. The press release is attached as Exhibit
99 hereto and incorporated herein by reference.

Item 7.  Financial Statements and Exhibits.

         (a) and (b).  Not applicable.

         (c)      Exhibits.

                  See Index to Exhibits.









                                   SIGNATURES

                  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 thereunto duly authorized.


                                             HOME LOAN FINANCIAL CORPORATION



                                             By: /s/ Robert C. Hamilton
                                                -----------------------------
                                                Robert C. Hamilton, President



Date:  July 9, 2003







                                INDEX TO EXHIBITS


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

     99                 Press Release of Home Loan Financial Corporation,
                        dated July 9, 2003