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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 UpUsj1Id5/wdKUjyf5j14uNXoXpJfa3Ada+AjDpR0dv7ukYMPIfs58ugVjYGk7JT
 FvV6gCn40FnIvSlDFuQelg==

<SEC-DOCUMENT>0001209191-03-012359.txt : 20030718
<SEC-HEADER>0001209191-03-012359.hdr.sgml : 20030718
<ACCEPTANCE-DATETIME>20030718093106
ACCESSION NUMBER:		0001209191-03-012359
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030716
FILED AS OF DATE:		20030718

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:			RANDLES DOUGLAS L
		CENTRAL INDEX KEY:			0001199212

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-23927
		FILM NUMBER:		03792252

	BUSINESS ADDRESS:	
		STREET 1:		401 MAIN ST
		CITY:			COSHOCTON
		STATE:			OH
		ZIP:			43812
		BUSINESS PHONE:		7406220444
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>bci02170_bco1dlr.xml
<DESCRIPTION>MAIN DOCUMENT DESCRIPTION
<TEXT>
<XML>
<?xml version="1.0"?><ownershipDocument><schemaVersion>X0101</schemaVersion>    <documentType>4</documentType><periodOfReport>2003-07-16</periodOfReport><notSubjectToSection16>0</notSubjectToSection16><issuer><issuerCik>0001050894</issuerCik><issuerName>HOME LOAN FINANCIAL CORP</issuerName>        <issuerTradingSymbol>HLFC</issuerTradingSymbol></issuer><reportingOwner><reportingOwnerId><rptOwnerCik>0001199212</rptOwnerCik><rptOwnerName>RANDLES DOUGLAS L</rptOwnerName></reportingOwnerId><reportingOwnerAddress><rptOwnerStreet1>  </rptOwnerStreet1><rptOwnerStreet2>  </rptOwnerStreet2><rptOwnerCity>  </rptOwnerCity><rptOwnerState>  </rptOwnerState><rptOwnerZipCode>  </rptOwnerZipCode></reportingOwnerAddress><reportingOwnerRelationship><isDirector>1</isDirector><isOfficer>0</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther></reportingOwnerRelationship></reportingOwner><nonDerivativeSecurity><securityTitle><value>Common Shares</value></securityTitle><transactionDate><value>2003-07-16</value></
transactionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>M</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionAmounts><transactionShares><value>1950</value></transactionShares><transactionValue><value>7.69</value></transactionValue><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>27871</value><footnoteId id="F1" /></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></nonDerivativeSecurity><derivativeSecurity><securityTitle><value>Stock option (Right to buy)</value></securityTitle><conversionOrExercisePrice><value>7.69</value></conversionOrExercisePrice><transactionDate><value>2003-07-16</value></transactionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>M</transactio
nCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionAmounts><transactionShares><value>1950</value></transactionShares><transactionValue><value>0</value></transactionValue><transactionAcquiredDisposedCode><value>D</value></transactionAcquiredDisposedCode></transactionAmounts><exerciseDate><value>1999-10-13</value><footnoteId id="F2" /></exerciseDate><expirationDate><value>2008-10-13</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common shares</value></underlyingSecurityTitle><underlyingSecurityShares><value>1950</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>5490</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeSecurity><footnotes><footnote id="F1">Reporting person indirectly owns 900 common shares held by the RRP trust and 16,079 common shares owned
 solely by his spouse.</footnote><footnote id="F2">The options vest in five equal annual installments beginning on this date.</footnote></footnotes><ownerSignature><signatureName>/s/ Douglas L. Randles </signatureName><signatureDate>2003-07-17</signatureDate></ownerSignature></ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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