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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 Gm0CNAqnQmLl79vWp91oCTEdn1itslOv4b9lFv7wNbgzcplsVP+/L3mVNmx59GXE
 Y7nIRc+p99PTMSfTY1IUPQ==

<SEC-DOCUMENT>0001209191-03-027062.txt : 20031028
<SEC-HEADER>0001209191-03-027062.hdr.sgml : 20031028
<ACCEPTANCE-DATETIME>20031028114551
ACCESSION NUMBER:		0001209191-03-027062
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20031027
FILED AS OF DATE:		20031028

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:			MAUCH ROBERT D
		CENTRAL INDEX KEY:			0001094622

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-23927
		FILM NUMBER:		03960046

	BUSINESS ADDRESS:	
		STREET 1:		44105 TOWNSHIP RD 55
		CITY:			COSHOCTON
		STATE:			OH
		ZIP:			43812
		BUSINESS PHONE:		7406229334

	MAIL ADDRESS:	
		STREET 1:		44105 TOWNSHIP RD 55
		CITY:			COSHOCTON
		STATE:			OH
		ZIP:			43812
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>bci03833_bco1.xml
<DESCRIPTION>MAIN DOCUMENT DESCRIPTION
<TEXT>
<XML>
<?xml version="1.0"?><ownershipDocument><schemaVersion>X0201</schemaVersion>    <documentType>4</documentType><periodOfReport>2003-10-27</periodOfReport><notSubjectToSection16>0</notSubjectToSection16><issuer><issuerCik>0001050894</issuerCik><issuerName>HOME LOAN FINANCIAL CORP</issuerName>        <issuerTradingSymbol>HLFC</issuerTradingSymbol></issuer><reportingOwner><reportingOwnerId><rptOwnerCik>0001094622</rptOwnerCik><rptOwnerName>MAUCH ROBERT D</rptOwnerName></reportingOwnerId><reportingOwnerAddress><rptOwnerStreet1>44105 TOWNSHIP ROAD 55</rptOwnerStreet1><rptOwnerStreet2></rptOwnerStreet2><rptOwnerCity>COSHOCTON</rptOwnerCity><rptOwnerState>OH</rptOwnerState><rptOwnerZipCode>43812</rptOwnerZipCode><rptOwnerStateDescription></rptOwnerStateDescription></reportingOwnerAddress><reportingOwnerRelationship><isDirector>1</isDirector><isOfficer>0</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther></reportingOwnerRelationship></reportingOwner><nonDerivativeTable><nonDerivativeTransaction><s
ecurityTitle><value>Common Shares</value></securityTitle><transactionDate><value>2003-10-27</value></transactionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>M</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionAmounts><transactionShares><value>10366</value></transactionShares><transactionPricePerShare><value>7.69</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>30737</value><footnoteId id="F1" /></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></nonDerivativeTransaction></nonDerivativeTable><derivativeTable><derivativeTransaction><securityTitle><value>Stock Option (Right to buy)</value></securityTitle><conversionOrExercisePrice><value>7.69</value></conversionOrExerc
isePrice><transactionDate><value>2003-10-27</value></transactionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>M</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionAmounts><transactionShares><value>10366</value></transactionShares><transactionPricePerShare><value>0</value></transactionPricePerShare><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>10366</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>0</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwne
rship></ownershipNature></derivativeTransaction></derivativeTable><footnotes><footnote id="F1">Reporting person indirectly owns 550 common shares owned solely by his spouse and 16,463 common shares held by the RRP Trust for which he is trustee.</footnote><footnote id="F2">The options vested in five equal annual installments beginning on this date.</footnote></footnotes><ownerSignature><signatureName>/s/ Robert D. Mauch</signatureName><signatureDate>2003-10-28</signatureDate></ownerSignature></ownershipDocument>

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