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                                                                    EXHIBIT 10.4

                       AMENDMENT NUMBER 1 TO THE AGREEMENT
                                      AMONG
                        PITTSBURGH HOME FINANCIAL CORP.,
                          PITTSBURGH HOME SAVINGS BANK
                                       AND
                                 MICHAEL J. KIRK


         WHEREAS, Pittsburgh Home Financial Corp. (the "Corporation"), a
Pennsylvania corporation, Pittsburgh Home Savings Bank, a Pennsylvania-chartered
savings bank (the "Savings Bank") and Michael J. Kirk (the "Executive") entered
into an Agreement dated July 25, 1996 in connection with his employment with the
Corporation and the Savings Bank (together, the "Employers");

         WHEREAS, the Employers desire to modify the Agreement to extend the
term of employment under the Agreement from two years to three years;

         WHEREAS, the Employers desire to consider and review extension of the
term of employment under the Agreement on or before the end of each calendar
year rather than prior to each annual anniversary date;

         WHEREAS, the Employers desire to modify the Agreement to reflect that
the Executive has been named Executive Vice President of the Employers; and

         WHEREAS, Section 11 of the Agreement provides that no provisions of the
Agreement may be modified, waived or discharged unless such waiver, modification
or discharge is agreed to in writing signed by the Executive and such officer or
officers as may be specifically designated by the Board of Directors of the
Employers to sign on their behalf.

         NOW, THEREFORE, BE IT RESOLVED, in consideration of the mutual
covenants herein set forth, the Employers and the Executive do hereby agree that
Section 2(a) of the Agreement is modified to read as set forth below:

         (a) The Employers hereby employ the Executive as Executive Vice
         President and Chief Financial Officer and Executive hereby accepts said
         employment and agrees to render such services to the Employers on the
         terms and conditions set forth in this Agreement. The term of
         employment under this Agreement shall be for three years, effective
         December 31, 1997. Beginning with the year ended December 31, 1998,
         upon approval of the Board of Directors of the Employers, the term of
         employment for the Executive shall be extended for an additional year,
         and on each calendar year end thereafter such that at any time the
         remaining term of this Agreement shall be


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         from two to three years. Prior to each calendar year end hereafter, the
         Board of Directors of the Employers shall consider and review (with
         appropriate corporate documentation thereof, and after taking into
         account all relevant factors, including the Executive's performance
         hereunder) extension of the term under this Agreement, and the term
         shall continue to extend each year if the Board of Directors approves
         such extension unless the Executive gives written notice to the
         Employers of the Executive's election not to extend the term, with such
         written notice to be given not less than thirty (30) days prior to any
         such calendar year end. References herein to the term of this Agreement
         shall refer both to the initial term and successive terms.

         IN WITNESS WHEREOF, the parties have duly executed this Amendment
Number 1 to the Agreement as of this 23rd day of April 1998.


                                 PITTSBURGH HOME FINANCIAL CORP.

Attest:

                                 By: /s/ J. Ardie Dillen
                                     -------------------------------------------
/s/ Gregory G. Maxcy                 J. Ardie Dillen
----------------------------         Chairman, President and Chief Executive
Gregory G. Maxcy, Secretary          Officer


Witness

                                 PITTSBURGH HOME SAVINGS BANK

Attest:

                                 By: /s/ J. Ardie Dillen
                                     -------------------------------------------
/s/ Jess B. Mellor                   J. Ardie Dillen
----------------------------         Chairman, President and Chief Executive
Jess B. Mellor, Secretary            Officer



                                 EXECUTIVE


                                 By: /s/ Michael J. Kirk
                                     -------------------------------------------
                                     Michael J. Kirk