POWER OF ATTORNEY


	KNOW ALL MEN BY THESE PRESENTS:  That the
undersigned officer and/or director of Home Loan Financial
Corporation (the "Company"), hereby constitutes and appoints
Robert C. Hamilton, Preston W. Bair, or Kyle R. Hamilton as
his/her true and lawful attorneys-in-fact and agents, with
full power of substitution and resubstitution, for him/her and
in his/her name, place and stead, in any and all capacities,
to sign any and all Securities and Exchange Commission Forms
3, 4 and 5 with respect to the securities of the Company
beneficially owned by the undersigned, any and all amendments
thereto, and to file the same, and other documents relating
thereto, with the Securities and Exchange Commission, and
grants unto each of said attorneys-in-fact and substitute or
substitutes full power and authority to do each and every act
and thing requested and necessary to be done in and about the
premises as fully to all intents and purposes as he/she might
do in person, and hereby ratifies and confirms all things that
each of said attorneys-in-fact and substitute or substitutes
may lawfully do and seek to be done by virtue hereof.

		This Power of Attorney shall be valid until such
time as it is revoked by the undersigned in writing.

		IN WITNESS WHEREOF, the undersigned has hereunto
set his/her hand this 8th day of October, 2002.




				Signature: /s/ Marion M. Sutton

				Print Name: Marion M. Sutton

				Capacity: Director














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