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): January 21, 2004 ---------------- 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 7. Financial Statements and Exhibits. - ------ --------------------------------- (a) and (b). Not applicable. (c) Exhibits. See Index to Exhibits. Item 12. Results of Operations and Financial Condition. - ------- --------------------------------------------- On January 21, 2004, Home Loan Financial Corporation issued a press release regarding its earnings for the quarter ended December 31, 2003. The press release is attached as Exhibit 99 hereto and incorporated herein by reference. 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: January 21, 2004 INDEX TO EXHIBITS Exhibit Number Description - -------------- ----------- 99 Press Release of Home Loan Financial Corporation dated January 21, 2004