-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 GGFEFkTYkPm+9Vx2AjlrplGLGiXKK4rym9gmv36Vx1SeZ3emv6z/T5FLaenc3z99
 MysvQytws0u8VazQi0QteA==

<SEC-DOCUMENT>0001209191-04-049123.txt : 20041021
<SEC-HEADER>0001209191-04-049123.hdr.sgml : 20041021
<ACCEPTANCE-DATETIME>20041021170921
ACCESSION NUMBER:		0001209191-04-049123
CONFORMED SUBMISSION TYPE:	3
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20041012
FILED AS OF DATE:		20041021
DATE AS OF CHANGE:		20041021

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			HOME LOAN FINANCIAL CORP
		CENTRAL INDEX KEY:			0001050894
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036]
		IRS NUMBER:				311578552
		STATE OF INCORPORATION:			OH
		FISCAL YEAR END:			0630

	BUSINESS ADDRESS:	
		STREET 1:		401 MAIN ST
		CITY:			COSHOCTON
		STATE:			OH
		ZIP:			43812-1580

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Conidi Thomas R
		CENTRAL INDEX KEY:			0001306576

	FILING VALUES:
		FORM TYPE:		3
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-23927
		FILM NUMBER:		041090173

	BUSINESS ADDRESS:	
		BUSINESS PHONE:		740-622-0444

	MAIL ADDRESS:	
		STREET 1:		401 MAIN STREET
		CITY:			COSHOCTON
		STATE:			OH
		ZIP:			43812-1580
</SEC-HEADER>
<DOCUMENT>
<TYPE>3
<SEQUENCE>1
<FILENAME>bci10140_bco1.xml
<DESCRIPTION>MAIN DOCUMENT DESCRIPTION
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>3</documentType>

    <periodOfReport>2004-10-12</periodOfReport>

    <noSecuritiesOwned>0</noSecuritiesOwned>

    <issuer>
        <issuerCik>0001050894</issuerCik>
        <issuerName>HOME LOAN FINANCIAL CORP</issuerName>
        <issuerTradingSymbol>HLFC</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001306576</rptOwnerCik>
            <rptOwnerName>Conidi Thomas R</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>2121 CAMBRIDGE RD.</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>COSHOCTON</rptOwnerCity>
            <rptOwnerState>OH</rptOwnerState>
            <rptOwnerZipCode>43812</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>Vice President</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeHolding>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>0</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeHolding>
    </nonDerivativeTable>

    <derivativeTable></derivativeTable>

    <ownerSignature>
        <signatureName>/s/ Thomas R. Conidi</signatureName>
        <signatureDate>2004-10-18</signatureDate>
    </ownerSignature>
</ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----