U.S. SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549
                                   Form 10-QSB

(Mark One)

[X]  QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT
     OF 1934 FOR THE QUARTERLY PERIOD ENDED DECEMBER 31, 1996

[ ]  TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT
     OF 1934 FOR THE TRANSITION PERIOD FROM _________ TO __________

                        Commission file number - 0-21809

                         HOME CITY FINANCIAL CORPORATION
        (Exact name of small business issuer as specified in its charter)

              OHIO                                       34-1839475
_______________________________             ____________________________________
(State or other jurisdiction of             (I.R.S. Employer Identification No.)
 incorporation or organization)

          63 West Main Street
           Springfield, Ohio                                45502
________________________________________                  __________
(Address of principal executive offices)                  (zip code)

                                 (513) 324-5736
                           ___________________________
                           (Issuer's telephone number)

                                       N/A
              ____________________________________________________
              (Former name, former address and former fiscal year,
                          if changed since last report)

Check  whether the issuer (1) filed all reports  required to be filed by Section
13 or 15(d) of the  Exchange  Act during the past 12 months (or for such shorter
period that the registrant was required to file such reports),  and (2) has been
subject to such filing requirements for the past 90 days.  Yes__X*__     No_____

As of January 31, 1997,  876,024 common shares,  no par value, of the Registrant
were outstanding. There were no preferred shares outstanding.

* The Registrant's  Registration Statement on Form S-1 was declared effective on
November 12,  1996.  Prior to December 30,  1996,  the  Registrant  conducted no
business  except the offering of its shares and preparation to acquire Home City
Federal Savings Bank of Springfield.


                                      -1-
<PAGE>



                         HOME CITY FINANCIAL CORPORATION


                                SPRINGFIELD, OHIO

                                   FORM 10-QSB

                                      INDEX

                                                                     Page Number
PART I   FINANCIAL INFORMATION

Item. 1.          Financial Statements (Unaudited)

                  Condensed consolidated balance sheets --                3
                  December 31, 1996 and June 30, 1996

                  Condensed consolidated statements of income --          4
                  Three & Six months ended December 31, 1996 and 1995

                  Condensed consolidated statements of cash flows --      5
                  Six months ended December 31, 1996 and 1995

                  Notes to condensed consolidated financial               6
                  statements -- December 31, 1996 and June 30, 1996

Item 2.           Management's Discussion and Analysis of Financial       7
                  Condition and Results of Operations

PART II  OTHER INFORMATION

Item 1.           Legal Proceedings                                      11

Item 2.           Changes in Securities                                  11

Item 3.           Defaults upon Senior Securities                        11

Item 4.           Submission of Matters to a Vote of Security Holders    11

Item 5.           Other Information                                      11

Item 6.           Exhibits and Reports on Form 8-K                       11

Signatures                                                               12


                                      -2-
<PAGE>
<TABLE>

                         HOME CITY FINANCIAL CORPORATION
                                Springfield, Ohio
                           CONSOLIDATED BALANCE SHEETS

                                                                              Dollars in thousands
                                                                          ----------------------------
                                                                          (Unaudited)      (Unaudited)
                                                                          December 31,       June 30,
                                                                             1996              1996
                                                                          ------------     -----------
<S>                                                                        <C>              <C>     
Assets
Cash and cash equivalents
         Cash and due from banks                                           $  1,519         $    855
         Interest-bearing time deposits                                       7,320              588
         Federal funds sold                                                   1,000              400
                                                                           --------         --------
                  Total cash and cash equivalents                             9,839            1,843
Time deposits with original maturities 90 days or more                          361            1,061
Investment securities available for sale, at fair value                       2,234            2,188
Mortgage-backed securities available for sale, at fair value                  2,748            2,975
Loans, net                                                                   50,558           45,225
Accrued interest receivable                                                     313              273
Properties and equipment                                                        485              488
Investments required by law - stock in Federal Home Loan Bank                   408              394
Cash surrender value of life insurance                                        1,070            1,044
Other assets                                                                    124              237
                                                                           --------         --------
                  Total assets                                             $ 68,140         $ 55,728
                                                                           ========         ========

Liabilities and Shareholders' Equity
Deposits
         Demand accounts                                                   $  1,383         $    302
         NOW accounts                                                           426              395
         Savings accounts                                                     8,235            9,561
         Time deposits, $100,000 or more                                      5,689            7,216
         Other time deposits                                                 33,826           29,700
                                                                           --------         --------

                  Total deposits                                             49,559           47,174

Advances from Federal Home Loan Bank                                          4,101            2,903
Accrued interest payable                                                         65               49
Advance payments by borrowers for taxes and insurance                            69               20
Deferred income taxes                                                            70               68
Other liabilities                                                               293              116
                                                                           --------         --------

                  Total liabilities                                          54,157           50,330
                                                                           --------         --------

Shareholders' equity
Common shares, 5,000,000 authorized w/o par value;
    876,024 shares issued & outstanding                                           0                0
Additional paid-in capital                                                    9,075                0
Retained earnings, substantially restricted                                   5,454            5,271
Unrealized gain on securities available for sale, net of applicable
         deferred income taxes                                                  216              127
Common shares acquired by Employee Stock Ownership Plan                        (762)               0
                                                                           --------         --------
                  Total shareholders' equity                                 13,983            5,398
                                                                           --------         --------

                  Total liabilities and shareholders' equity               $ 68,140         $ 55,728
                                                                           ========         ========


The accompanying notes are an integral part of these financial statements.
</TABLE>

                                      -3-
<PAGE>
<TABLE>

                         HOME CITY FINANCIAL CORPORATION
                                Springfield, Ohio
                        CONSOLIDATED STATEMENTS OF INCOME

                                                              Dollars in thousands, except per share amounts
                                                              ----------------------------------------------
                                                                    (Unaudited)             (Unaudited)
                                                                  3 Months Ended          6 Months Ended
                                                                    December 31,           December 31,
                                                                 1996        1995        1996        1995
                                                                 ----        ----        ----        ----
<S>                                                             <C>         <C>         <C>         <C>   
Interest income
Interest and fees on loans                                      $1,163      $1,015      $2,267      $1,973
Interest on investment securities                                   42          34          81          73
Interest on mortgage-backed securities                              49          47          98         101
Interest on deposits in banks and federal funds sold                35           6          62          24
                                                                ------      ------      ------      ------
                  Total interest income                          1,289       1,102       2,508       2,171
                                                                ------      ------      ------      ------

Interest expense
Interest on interest-bearing checking accounts                       2           1           5           1
Interest on savings deposits                                        65          65         122         133
Interest on certificates of deposit                                619         522       1,209       1,008
Interest on advances from Federal Home Loan Bank                    60          45         101          91
                                                                ------      ------      ------      ------
         Total interest expense                                    746         633       1,437       1,233
                                                                ------      ------      ------      ------

         Net interest income                                       543         469       1,071         938

Provision for loan losses                                           36           0          37           0
                                                                ------      ------      ------      ------
         Net interest income after provision for loan loss         507         469       1,034         938

Noninterest  income
Service charges on deposit accounts                                  2           1           3           1
Life insurance                                                      15          15          30          15
Other income                                                         1           1           2           2
                                                                ------      ------      ------      ------
         Total noninterest income                                   18          17          35          18
                                                                ------      ------      ------      ------

Noninterest expense
Salaries and employee benefits                                     116         138         246         256
Supplies, telephone and postage                                     12          13          22          23
Occupancy and equipment                                             25          19          50          47
FDIC deposit insurance                                              24          23         311          46
Data processing                                                     20           9          34          25
Legal, accounting and examination                                   28          32          51          62
Franchise tax                                                       19          13          38          34
Other expense                                                       33          63          82         112
                                                                ------      ------      ------      ------
         Total noninterest expense                                 277         310         834         605
                                                                ------      ------      ------      ------

Income before income taxes                                         248         176         235         351

Federal income tax expense                                          55          57          52         114
                                                                ------      ------      ------      ------
                  Net income                                    $  193      $  119      $  183      $  237
                                                                ======      ======      ======      ======

__________________________________________________________________________________________________________
 Per share data:
         Net income per share of common stock                   $  .22         N/A      $  .21         N/A
                                                                ======      ======      ======      ======

The accompanying notes are an integral part of these financial statements.

</TABLE>

                                      -4-
<PAGE>
<TABLE>

                         HOME CITY FINANCIAL CORPORATION
                                Springfield, Ohio
                      CONSOLIDATED STATEMENT OF CASH FLOWS

                                                                          Dollars in thousands
                                                                       ---------------------------
                                                                              (Unaudited)
                                                                       6 Months Ended December 31,
                                                                          1996           1995
                                                                        --------       --------
<S>                                                                     <C>            <C>     
Cash flows from operating activities:
         Net income                                                     $    183       $    237
         Adjustments to reconcile net income to net cash
            provided by operating activities:
                Premium amortization, net of discount accretion               13             33
                Provision for loan losses                                     37              0
                Depreciation                                                  20             18
                Deferred income taxes                                         45             68
                Life insurance income, net of expenses                       (26)             2
                Changes in operating assets and liabilities:
                  Increase in accrued income receivable                      (40)           (46)
                  Increase (decrease) in other assets                        113            (55)
                  Increase in accrued interest payable                        16              6
                  Increase in other liabilities                              177             37
                                                                        --------       --------

         Net cash provided by operating activities                           538            300
                                                                        --------       --------

Cash flows from investing activities:
         Net increase (decrease) in time deposits                            700             (1)
         Proceeds from maturities of held-to-maturity securities               0            500
         Payments on available-for-sale mortgage-backed securities           214            276
         Net change in loans                                              (5,370)        (4,862)
         Purchases of premises and equipment                                 (17)           (47)
         Purchase of Federal Home Loan Bank stock                            (14)           (10)
         Purchase of life insurance contracts                                  0         (1,020)
                                                                        --------       --------

         Net cash used in investing activities                            (4,487)        (5,164)
                                                                        --------       --------

Cash flows from financing activities:
         Net increase in deposits                                          2,385          4,086
         Proceeds from advances from Federal Home Loan Bank                1,825            900
         Payments on advances from Federal Home Loan Bank                   (627)        (1,007)
         Proceeds from sale of Common Stock                                8,313              0
         Net increase in advance payments by borrowers for
             tax and insurance                                                49             21
                                                                        --------       --------

         Net cash provided by financing activities                        11,945          4,000
                                                                        --------       --------

         Net increase (decrease) in cash and cash equivalents              7,996           (864)
         Cash and cash equivalents at beginning of period                  1,843          2,377
                                                                        --------       --------
         Cash and cash equivalents at end of period                     $  9,839       $  1,513
                                                                        ========       ========
________________________________________________________________________________________________
The accompanying notes are an integral part of these financial statements.

</TABLE>


                                      -5-
<PAGE>

                         HOME CITY FINANCIAL CORPORATION


                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

                      December 31, 1996, and June 30, 1996




NOTE A - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

In September  1996, the Board of Directors of Home City Federal  Savings Bank of
Springfield  (the  "Company")  adopted a Plan of Conversion (the "Plan") whereby
the  Company  would  convert to the stock  form of  ownership,  followed  by the
issuance  of all the  Company's  outstanding  stock  to a newly  formed  holding
company,  Home City Financial  Corporation (the "Corporation").  Pursuant to the
Plan, the  Corporation  offered common shares for sale to certain  depositors of
the  Company and members of the  community.  The  conversion  was  completed  on
December 30, 1996,  and resulted in the issuance of 952,200 common shares of the
Corporation,   which,   after   consideration  of  offering   expenses  totaling
approximately $447,000 and $762,000 in shares purchased by the ESOP, resulted in
net capital  proceeds of $8.3  million.  Condensed  financial  statements of the
Corporation  are  presented  herein.  Future  references  are made either to the
Corporation or the Company as applicable.

The  Corporation  is a savings and loan holding  company  whose  activities  are
primarily  limited to holding the stock of the Company.  The Company  conducts a
general  banking  business in west  central  Ohio which  consists of  attracting
deposits from the general public and applying those funds to the  origination of
loans for  residential,  consumer and  nonresidential  purposes.  The  Company's
profitability  is significantly  dependent on net interest income,  which is the
difference between interest income generated from interest-earning assets (i.e.,
loans  and  investments)  and the  interest  expense  paid  on  interest-bearing
liabilities (i.e., customer deposits and borrowed funds). Net interest income is
affected by the relative amount of interest-earning  assets and interest-bearing
liabilities  and  interest  received  or paid on these  balances.  The  level of
interest rates paid or received by the Company can be  significantly  influenced
by a number of environmental factors, such as governmental monetary policy, that
are outside of management control.

The  consolidated  financial  information  presented herein has been prepared in
accordance with generally accepted  accounting  principles  ("GAAP") and general
accounting  practices  within the  financial  services  industry.  In  preparing
consolidated  financial  statements  in  accordance  with  GAAP,  management  is
required to make estimates and assumptions  that affect the reported  amounts of
assets and liabilities  and the disclosure of contingent  assets and liabilities
at the date of the  financial  statements  and revenues and expenses  during the
reporting period. Actual results could differ from such estimates.

NOTE B - BASIS OF PRESENTATION

The accompanying  unaudited condensed financial statements have been prepared in
accordance with generally accepted  accounting  principles  ("GAAP") for interim
financial  information  and with  instructions  to Form 10-QSB and Article 10 of
Regulation S-X and Rule 310 of Regulation SB.  Accordingly,  they do not include
all  information  and  footnotes  required  by  generally  accepted   accounting
principles for complete financial statements. In the opinion of management,  all
adjustments  considered  necessary for a fair  presentation  have been included.
Operating  results are not  necessarily  indicative  of the results  that may be
expected for the year ended June 30, 1997.


                                      -6-
<PAGE>



                  HOME CITY FEDERAL SAVINGS BANK OF SPRINGFIELD


           MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION

                            AND RESULTS OF OPERATIONS



         The following  focuses on the consolidated  financial  condition of the
Company at December  31,  1996,  compared to June 30,  1996,  and the results of
operations  for the  three- and  six-month  periods  ended  December  31,  1996,
compared  to the same  periods in 1995.  The  purpose of this  discussion  is to
provide a better  understanding  of the  consolidated  financial  statements and
footnotes included in the Form 10-QSB. The Company is not aware of any market or
institutional  trend,  events or uncertainties  that will have or are reasonably
likely to have a material effect on liquidity,  capital  resources or operations
except as discussed herein.  Other than as discussed herein,  the Company is not
aware of any current  recommendations by regulatory authorities which would have
such effect if implemented.

                    Note Regarding Forward-Looking Statements

         In addition to historical  information  contained herein, the following
discussion   contains   forward-looking   statements   that  involve  risks  and
uncertainties.   Economic  circumstances,   the  Company's  operations  and  the
Company's actual results could differ  significantly from those discussed in the
forward-looking  statements.  Some of the factors that could cause or contribute
to such differences are discussed herein but also include changes in the economy
and interest rates in the nation and the Company's  market area generally.  Some
of the forward-looking  statements included herein are the statements  regarding
the allowance for loan losses.

                               Financial Condition

Liquidity

         Liquidity  relates to the Company's ability to meet cash demands of its
customers and their credit needs. Liquidity is provided by the Company's ability
to readily  convert assets to cash and readily  marketable,  short-term  assets,
such as federal funds sold and deposits in other banks.

         Cash and cash equivalents, time deposits with original maturities of 90
days  or  more,   investment  securities   available-for-sale,   mortgage-backed
securities available-for-sale and FHLB stock were $15.59 million at December 31,
1996, an increase of $7.13 million from the June 30, 1996,  total. Such increase
was  attributable  to the net inflow of funds from the  conversion  and  related
stock offering.

         Liability liquidity relates to the Company's ability to retain existing
deposits,  obtain new deposits  and borrow in the  marketplace.  Total  deposits
increased $2.39 million for the six months ended December 31, 1996,  compared to
June 30, 1996.  The Company  experienced  a decrease of $1.33 million in savings
passbooks and a $1.53 million decrease in Jumbo or negotiable rate certificates,
offset by increases in transaction accounts (i.e., demand deposit and negotiable
order of  withdrawal,  or "NOW",  accounts)  of $1.11  million  and  other  time
certificates of $4.13 million.

         Access to funds from the Federal  Home Loan  Bank (the  "FHLB") in  the
form of short- and long-term advances is a  supplemental  source of cash to meet
liquidity needs.


                                      -7-
<PAGE>


Capital Resources

         Shareholders'  equity  totaled  $13.98  million at December  31,  1996,
compared to $5.40  million at June 30, 1996.  This increase was primarily due to
the additional  paid-in-capital as a result of the aforementioned conversion and
related  public   offering.   A  net  unrealized   holding  gain  on  securities
available-for-sale  of $89,000 also contributed to the increase.  As of December
31, 1996, the Corporation's  ratio of shareholders'  equity to assets was 20.52%
compared to 9.69% at June 30, 1996.

Regulatory Capital Requirements

         The  Company is  required  by  applicable  law and  regulation  to meet
certain  minimum  capital  requirements.  These  requirements  call for tangible
capital of 1.5% of adjusted total assets, core capital (which for the Company is
equal to tangible  capital)  of 3% of  adjusted  total  assets,  and  risk-based
capital  (which for the Company  consists of core capital and general  valuation
allowances)   equal  to  8%  of   risk-weighted   assets.   Assets  and  certain
off-balance-sheet  items are weighted at  percentage  levels  ranging from 0% to
100% depending on their relative risk.

         The  following  table  summarizes  the  Company's   regulatory  capital
requirements and actual capital at December 31, 1996:

<TABLE>
                                                                    Excess of actual capital
                     Actual Capital         Current requirements    over current requirements   Applicable
                  Amount       Percent       Amount      Percent        Amount     Percent      asset total
                  ------       -------       ------      -------        ------     -------      -----------
                                                         (Dollars in thousands)
<S>              <C>           <C>          <C>           <C>           <C>         <C>           <C>   
Tangible
   Capital       $ 9,955       14.62%       $ 1,022       1.50%         8,933       13.12%        68,100

Core
   Capital         9,955       14.62          2,043       3.00          7,912       11.62         68,100

Risk-based
   Capital        10,355       29.61          2,798       8.00          7,557       21.61         34,970

</TABLE>


Changes in Financial Condition

         General.  The  Corporation's  consolidated  total  assets  were  $68.14
million at December  31,  1996,  reflecting  an increase of $12.41  million,  or
22.27%,  over the $55.73  million at June 30,  1996.  This growth was  primarily
attributable  to an  increase  in loans  outstanding,  funded  primarily  by the
proceeds from the capital stock  offering and  secondarily by increases in total
deposits of $2.39 million and Federal Home Loan Bank advances of $1.20 million.

         Cash  and  Cash  Equivalents,  Time  Deposits,  Investment  Securities,
Mortgage-Backed  Securities  and FHLB  Stock.  Cash and cash  equivalents,  time
deposits with original  maturities  of 90 days or more,  investment  securities,
mortgage-backed  securities  and FHLB stock  increased by $7.13 million  between
June 30 and December 31, 1996. The primary  changes were an increase in cash and
cash  equivalents  from $1.84  million  at June 30,  1996,  to $9.84  million at
December 31, 1996,  and a decrease in time deposits with original  maturities of
90 days or more from $1.06 million at June 30, 1996, to $361,000 at December 31,
1996.

          Loans  Receivable.  Net loans  receivable  equaled  $50.56  million at
December 31, 1996,  compared to $45.23  million at June 30, 1996, an increase of

                                      -8-
<PAGE>


11.79%, attributable to the continued demand for mortgage loans coupled with the
growth of the consumer loan product line,  which was introduced in January 1996.
Management has continued to emphasize single-family residential lending.

     Deposits.  Total deposits increased by $2.39 million,  or 5.06%, during the
first six months of fiscal  year 1997.  Total time  deposits  increased  by $2.6
million,  or  7.04%,  while  demand  and  savings  deposits  decreased  a net of
$214,000, or 2.09%, during the six month period ended December 31, 1996.

     Other  liabilities also increased by $244,000.  Such increase was primarily
attributed to the recording of $143,000 in accounts payable related to the stock
offering and corporate conversion. Minor increases were also reported in accrued
interest payable and other miscellaneous  liability accounts.  Advances from the
FHLB increased $1.20 million, or 41.27%, during the first two quarters of fiscal
year 1997, due to sustained loan demand.

                              Results of Operations

     General. The Company recorded a consolidated net income of $193,000 for the
three months ended December 31, 1996,  compared to $119,000 for the same quarter
in 1995.

Three Months Ended  December 31, 1996,  Compared to Three Months Ended  December
31, 1995

     Net Interest Income. The Company's net interest income for the three months
ended  December  31,  1996,  increased  by 15.78%,  from  $469,000 to  $543,000,
compared to the same period in 1995. The net interest margin,  which consists of
net  interest  income  as  a  percentage  of  average  interest-earning  assets,
decreased slightly,  from 3.78% for the three months ended December 31, 1995, to
3.74% for the same  period in 1996,  primarily  as a result of the growth in the
higher-yielding  deposits  of the  Company.  During  the  same  period,  the net
interest spread,  which reflects average yield on  interest-earning  assets less
average costs of  interest-bearing  liabilities,  increased 8 basis  points,  to
3.31%.

     Provision for Loan Losses.  The  allowance for loan losses was  established
and is  maintained  by  periodic  charges to the  provision  for loan  loss,  an
operating  expense,  in order to provide  for the risk of loss  inherent  in the
Company's  loan  portfolio.  Loan losses and recoveries are charged or credited,
respectively, to the allowance for loan losses as they occur.

     The  allowance  and  provision  for loan losses is determined by management
upon  consideration  of such  factors  as the  size  and  character  of the loan
portfolio,  loan loss experience,  problem loans and economic  conditions in the
Company's market area.  Management attempts to minimize the risk associated with
each loan by  evaluating  each loan  independently  based  upon  criteria  which
include,  but are not limited  to, (a) the  purpose of the loan,  (b) the credit
history of the borrower,  (c) the borrower's  financial standing and trends, (d)
the market value of the collateral involved,  and (e) the down payment received.
Quarterly  reviews of the loan portfolio are conducted to identify problem loans
and to determine  appropriate  courses of action on a loan-by-loan  basis. While
management believes that it uses the best information available to determine the
allowance for loan losses, unforeseen market conditions could result in material
adjustments,  and net earnings could be  significantly  adversely  affected,  if
circumstances differ substantially from the assumptions used in making the final
determination.

     The Company  added  $36,000 to the loan loss  allowance  during the quarter
ended  December  31,  1996,  due to the  increase  in loans  receivable  and the
increase in consumer  loans,  which are  generally  considered to have a greater
risk of loss.

     Noninterest  Income and  Expense:  Noninterest  income was  $18,000 for the
three months ended December 31, 1996,  compared to $17,000,  for the same period
in 1995.  This  increase  was the result of an increase  in the service  charges
collected on deposit accounts.  Noninterest expense decreased by $33,000 for the
three months ended  December 31, 1996,  compared to the same period in 1995. The
decrease was attributed to the reductions in the costs of employee benefit plans
and other miscellaneous operating expenses.

                                      -9-
<PAGE>



Six Months Ended  December 31, 1996,  Compared to the Six Months Ended  December
31, 1995

     Net Interest  Income.  The Company's net interest income for the six months
ended  December 31,  1996,  increased by 14.18%,  from  $938,000 to  $1,071,000,
compared to the same period in 1995. The net interest margin decreased  slightly
from 3.86% for the  six-month  period ended  December 31, 1995, to 3.82% for the
same period in 1996,  primarily  as a result of the  shifting  of deposits  from
lower yielding accounts to longer termed deposits, which generally have a higher
rate of interest.  During the same period,  the net interest spread decreased to
3.36%.

     Noninterest Income and Expense.  Noninterest income was $35,000 for the six
months  ended  December  31,  1996,  compared to $18,000 for the same  six-month
period  in  1995.  This  increase  is  attributed  to the  increase  in the cash
surrender  value  of  a  key-man  life  insurance  policy.  Noninterest  expense
increased  by  37.85%  in 1996  compared  to 1995  primarily  as a result of the
one-time special deposit insurance  assessment of $263,000,  which was levied on
September 30, 1996. As a result, net income for the six-month period was reduced
by approximately  $174,000 after federal income taxes.  During this same period,
the Company was able to reduce other  noninterest  expenses by a net of $34,000,
primarily in the other miscellaneous expense category.


                                      -10-
<PAGE>



                         HOME CITY FINANCIAL CORPORATION


                           PART II - OTHER INFORMATION



         ITEM 1 - LEGAL PROCEEDINGS

                           None


         ITEM 2 - CHANGES IN SECURITIES

                           Not Applicable


         ITEM 3 - DEFAULTS UPON SENIOR SECURITIES

                           Not Applicable


         ITEM 4 - SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS

                           None


         ITEM 5 - OTHER INFORMATION

                           None


         ITEM 6 - EXHIBITS AND REPORTS ON FORM 8-K

                           a.  Exhibit 27:  Financial Data Schedule

                           b.  No reports on Form 8-K were filed during the
                               quarter ended December 31, 1996.



                                      -11-
<PAGE>


                                   SIGNATURES


     In accordance with the requirements of the Securities Exchange Act of 1933,
the  registrant  has duly  caused  this report to be signed on its behalf by the
undersigned, thereunto duly authorized.




                                            HOME CITY FINANCIAL CORPORATION



                                        /s/ Douglas L. Ulery
Date: February 10, 1997                     ___________________________________
                                            Douglas L. Ulery
                                            President


                                        /s/ Gary E. Brown
Date: February 11, 1997                     ____________________________________
                                            Gary E. Brown
                                            Treasurer