EXHIBIT 99

EXCERPTED QUESTION FROM HOME LOAN FINANCIAL CORPORATION'S DIRECTOR AND OFFICER
QUESTIONNAIRE

         16. RESIGNATIONS OF DIRECTORS. Has any director of the Company resigned
or declined to stand for re-election to the board of directors of the Company
since the date of the last annual meeting of shareholders because of a
disagreement with the Company on any matter relating to the Company's
operations, policies, or practices?

MR. MAUCH'S RESPONSE

Yes-Robert Mauch.

I have decided not to stand for re-election at the coming annual meeting. This
decision is due to my having some different views of operations, policy and
practices of the company. Although these differences may / may not be
significant they do exist and I feel that it is better for the Company and me to
end my position as a director.