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 the earliest event reported)  October 20, 1999
                                                   ---------------------------

- ------------------------------------------------------------------------------
                       HARVEST HOME FINANCIAL CORPORATION
             (Exact Name of Registrant as Specified in its Charter)

Ohio
(State or Other Jurisdiction of
incorporation or organization)

0-25300                                             31-1402988
(Commission File Number)                            (IRS Employer
                                                    Identification Number)

3621 Harrison Avenue
Cheviot, Ohio                                       45211
(Address of principal                               (Zip Code)
executive office)
                                 (513) 661-6612
              (Registrant's telephone number, including area code)
- ------------------------------------------------------------------------------

                           No change since last report
          (Former Name or Former Address, if Changed Since Last Report)


ITEM 5.  OTHER EVENTS

         On  September  30,  1999,  Harvest  Home  Financial   Corporation  (the
"Registrant"   or  "HHFC")  and  Peoples   Building  Loan  and  Savings  Company
("Peoples")  entered  into an  agreement  wherein  HHFC will merge with and into
Peoples  ("Acquisition").  In  connection  with the  Acquisition,  Peoples  will
undertake to convert  from a mutual to a stock  institution  ("Conversion")  and
form a holding company. Under the terms of the Acquisition agreement, each share
of  Harvest  Home  will be  exchanged  for a  combination  of $9.00 in cash plus
Peoples  Common Stock with a market value of $9.00,  based on the initial public
offering price of Peoples  Common Stock.  It is currently  anticipated  that the
number of Peoples  Common  Stock that will be  exchanged  for each share of HHFC
common  stock is 0.9 shares  assuming an initial  public  offering  price of the
Peoples' Common Stock of $10.00 per share.



         The  consummation  of the Acquisition is subject to the approval of the
shareholders of HHFC,  consummation of the Merger, the Conversion of Peoples and
the receipt of all required  regulatory  approvals.  It is anticipated  that the
Merger  and  the  Acquisition  will  be  consummated   simultaneously  with  the
completion of the  Conversion.  The  transaction  is anticipated to close in the
second quarter of 2000.

         On October 1, 1999,  a joint  press  release was issued by the HHFC and
Peoples announcing the Acquisition,  Merger and Conversion. The press release is
attached hereto as Exhibit 99.1 and incorporated by reference herein.

ITEM 7.  FINANCIAL STATEMENTS, EXHIBITS

(c)      Exhibits

         99.1     Joint press release by HHFC and Peoples released on October 1,
                  1999 announcing the Acquisition, Merger and Conversion.


                                   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 hereunder duly authorized.


                                      HARVEST HOME FINANCIAL CORP.
                                      Registrant



                                      By: /s/ John E. Rathkamp
                                          John E. Rathkamp
                                          President, Chief Executive Officer
                                          And Secretary


Date:   October 20, 1999