<PAGE>


                                  EXHIBIT 31.1
                                  CERTIFICATION

I, J. William Stapleton, President, Chief Executive Officer and Chief Operating
Officer of Home City Financial Corporation, certify, that:

1.   I have reviewed this quarterly report on Form 10-QSB of Home City Financial
     Corporation;

2.   Based on my knowledge, this quarterly report does not contain any untrue
     statement of a material fact or omit to state a material fact necessary to
     make the statements made, in light of the circumstances under which such
     statements were made, not misleading with respect to the period covered by
     this quarterly report;

3.   Based on my knowledge, the financial statements, and other financial
     information included in this quarterly report, fairly present in all
     material respects the financial condition, results of operations, and cash
     flows of the small business issuer as of, and for, the periods presented in
     this quarterly report;

4.   The small business issuer's other certifying officer and I are responsible
     for establishing and maintaining disclosure controls and procedures (as
     defined in Exchange Act Rules 13a-15(e) and 15d-15(e) for the small
     business issuer and have:

     (a)  Designed such disclosure controls and procedures, or caused such
          disclosure controls and procedures to be designed under our
          supervision, to ensure that material information relating to the small
          business issuer, including its consolidated subsidiaries, is made
          known to us by others within those entities, particularly during the
          period in which this quarterly report is being prepared;

     (b)  Evaluated the effectiveness of the small business issuer's disclosure
          controls and procedures as of a date within 90 days prior to the
          filing date of this quarterly report (the "Evaluation Date"); and

     (c)  Disclosed in this report any change in the small business issuer's
          internal control over financial reporting that occurred during the
          small business issuer's most recent fiscal quarter (the small business
          issuer's fourth fiscal quarter in the case of an annual report) that
          has materially affected, or is reasonably likely to materially affect,
          the small business issuer's internal control over financial reporting;
          and

5.   The small business issuer's other certifying officer and I have disclosed,
     based on our most recent evaluation of internal control over financial
     reporting, to the small business issuer 's auditors and the audit committee
     of the small business issuer's board of directors (or persons performing
     the equivalent functions):

     (a)  Any significant deficiencies and material weaknesses in the design or
          operation of internal control over financial reporting which are
          reasonably likely to adversely affect the small business issuer's
          ability to record, process, summarize, and report financial
          information; and

     (b)  Any fraud, whether or not material, that involves management or other
          employees who have a significant role in the small business issuer's
          internal control over financial reporting.


November 9, 2005                            /s/ J. William Stapleton
                                            ------------------------------------
                                            J. William Stapleton, President,
                                            Chief Executive Officer and
                                            Chief Operating Officer

A signed original of this written statement has been provided to Home City
Financial Corporation and will be retained by Home City Financial Corporation
and furnished to the Securities and Exchange Commission or its staff upon
request.


                                       22