U. S. SECURITIES AND EXCHANGE COMMISSION
                           Washington, D.C. 20549
                                FORM 10-KSB/A

              ANNUAL REPORT Pursuant to SECTION 13 or 15(d) of
                      THE SECURITIES EXCHANGE ACT of 1934

                 For the fiscal year ended December 31, 1999
                        Commission File Number 0-21809
                             _____________________

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

                Ohio                                 34-1839475
(State or other Jurisdiction                         (IRS Employer
of incorporation or organization)                    Identification Number)

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

                     Issuer's telephone number  (937)324-5736
                               ____________________

       Securities registered under Section 12(b) of the Exchange Act:
                                 not applicable
       Securities registered under Section 12(g) of the Exchange Act:
                             Common Shares (No Par Value),
                             Preferred Shares (No Par Value)

     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 ___

     Check if there is no disclosure of delinquent filers in response to Item
405 of Regulation S-B contained in this form, and no disclosure will be
contained, to the best of registrant's knowledge, in definitive proxy or
information statements incorporated by reference in Part III of this Form 10-
KSB or any amendment to this Form 10-KSB.  [    ]

     State issuer's revenues for the most recent fiscal year.  $8,021,000

     State the aggregate market value of the voting stock held by
non-affiliates computed by reference to the price at which the stock was sold
or the average bid and asked prices of such stock, as of a specified date
within the past 60 days:  As of March 7, 2000, 816,500 common  shares of the
Registrant were outstanding.  The aggregate market value of the shares held by
non-affiliates was $6,547,917 based upon the closing sale price of $10.895 per
share as quoted by The Nasdaq Stock Market.

     Documents Incorporated by Reference

     The following sections of the definitive Proxy Statement for the 2000
Annual Meeting of Shareholders of Home City Financial Corporation are
incorporated by reference into Part III of this Form 10-KSB:

1.     Proposal One - Election of Directors
2.     Compensation of Directors and Executive Officers
3.     Voting Securities and Ownership of Certain Beneficial Owners and
       Management
4.     Section 16(a) Beneficial Ownership Reporting Compliance

       Transitional Small Business Disclosure Format     YES ___  NO _X_
<PAGE>

Item 7.  Financial Statements

                       INDEPENDENT AUDITOR'S REPORT

The Board of Directors and Shareholders
Home City Financial Corporation
Springfield, Ohio


     We have audited the consolidated balance sheets of Home City Financial
Corporation and subsidiaries as of December 31, 1999 and 1998, and the related
consolidated statements of income, shareholders' equity, and cash flows for
the years then ended.  These consolidated financial statements are the
responsibility of the corporation's management.  Our responsibility is to
express an opinion on these financial statements based on our audits.

     We conducted our audits in accordance with generally accepted auditing
standards.  Those standards require that we plan and perform the audit to
obtain reasonable assurance about whether the financial statements are free of
material misstatement.  An audit includes examining, on a test basis, evidence
supporting the amounts and disclosures in the financial statements.  An audit
also includes assessing the accounting principles used and significant
estimates made by management, as well as evaluating the overall financial
statement presentation.  We believe that our audits provide a reasonable basis
for our opinion.

     In our opinion, the financial statements referred to above present
fairly, in all material respects, the consolidated financial position of Home
City Financial Corporation and subsidiaries as of December 31, 1999 and 1998,
and the consolidated results of their operations and their cash flows for the
years then ended, in conformity with generally accepted accounting principles.


                              /s/ Robb, Dixon, Francis, Davis, Oneson & Co.

                                     Robb, Dixon,
                              Francis, Davis, Oneson
                                     & Company
Granville, Ohio
February 1, 2000

<PAGE>

SIGNATURES

In accordance with Section 13 or 15 (d) of the Exchange Act, the registrant
caused this report to be signed on its behalf by the undersigned, thereunto
duly authorized.


HOME CITY FINANCIAL CORPORATION


/s/ Douglas L. Ulery
____________________________________
Douglas L. Ulery
President and Chief Executive Officer


In accordance with the Exchange Act, this report has been signed below by the
following persons on behalf of the registrant and in the capacities on the
dates indicated.



/s/ John D. Conroy                               /s/ P. Clark Engelmeier
_______________________                          _______________________________
John D. Conroy                                   P. Clark Engelmeier
Director                                         Chairman of the Board

March 23, 2000                                   March 23, 2000
_____________________________                    _______________________________
Date                                             Date

                                                 /s/ Terry A. Hoppes
______________________________                   _______________________________
James Foreman                                    Terry A. Hoppes
Director                                         Director

                                                 March 23, 2000
______________________________                   -------------------------------
Date                                             Date


/s/ Douglas L. Ulery                              /s/ Charles A. Mihal
_____________________________                    ______________________________
Douglas L. Ulery                                  Charles A. Mihal
Director                                          Treasurer and
President and                                     Chief Financial Officer
Chief Executive Officer

March 23, 2000                                    March 23, 2000
_____________________________                     ______________________________
Date                                              Date