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 28, 2004
                                                           -------------


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



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




                     401 Main Street, Coshocton, Ohio 43812
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               (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 July 28, 2004, Home Loan Financial Corporation issued a press
release regarding its earnings for the quarter and year ended June 30, 2004. 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/ Preston W. Bair
                                           ------------------------------------
                                           Preston W. Bair,
                                           Chief Financial Officer



Date:  July 29, 2004










                                INDEX TO EXHIBITS



Exhibit Number                                 Description
- --------------                                 -----------
     99                Press Release of Home Loan Financial Corporation dated
                       July 28, 2004