**EXHIBIT 14**CODE OF ETHICSHome City Federal Saving Bank (Home City) is judged by the collective and individual performance ofits directors, officers, and associates. Thus, employees have traditionally recognized that theirfirst duty is to Home City, and to act in a manner that merits public trust and confidence. Asprofessionals, Home City employees have earned a reputation for integrity and competence. Theyhave been guided and judged by the highest standards of conduct. Integrity, honesty, public trustand confidence have served as crucial test of our service and success.This Code of Ethics is not presented to expand upon or change the ethical standards of Home City,rather its purpose is to reduce to writing many of the patterns of conduct that are expected atthis institution. It represents a set of minimum standards. It is important to remember that ourgood reputation emerges from many actions and can be jeopardized by one.You are invited to read this statement carefully, should it not be clear, please seek guidance, forin matters such as these, appearance is often as important as reality.**Conflicts of Interest**As employees of Home City we assume a duty to our bank, customers, and shareholders. Such duty isto act in all matters (public and personal) in a manner that will merit public trust andconfidence. Each person associated with Home City is expected to direct their personal conduct ina manner which will bring credit to it, and avoid any action which would discredit it.In the exercise of privileges and authority arising from employment, two fundamental principalsapply: 1. The staff will place the interest of the bank ahead of theirprivate interest.  2. The staff will have a duty to make full disclosure of any situationin which their private interest create a conflict or potential conflict withthose of the bank.It is considered a conflict of interest, and therefore could result in termination of employment,if a staff member makes a loan, processes any type of transaction (e.g. withdrawals, deposits,check cashing, payments) or waives bank fees and/or service charges for their own personal accountsor those of immediate family members or persons living in the same household. It is eachemployee’s responsibility to exercise prudence and good judgment when making loans or processingtransactions to anyone whose personal relations with the employee may influence their judgment.**Gifts, Fees, Gratuities, and Other Payments from Customers or Suppliers**Some of our business acquaintances customarily distribute small gifts at Christmas, and on otheroccasions. In the event of receipt of such gift or entertainment opportunity, each employee mustdecide whether or not to accept. Gifts, benefits, or unusual hospitality that might tend toinfluence one in the performance of their job duties must not be accepted. Such gifts, benefits orunusual hospitality do not include gifts of nominal value, or gifts which serve as generaladvertising for the donor, or discounts or special concessions available to all employees, orhospitality which is casual and limited to a normal situation.Additional guidance is found in the Employees Handbook.**Confidential Information**The most crucial area of concern is the use and/or abuse of confidential information. Financialinstitutions by their very nature are privy to customers’ business plans, forecast, decisions, andproblems. The use of such information
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for one’s own, or another’s, personal benefit constitutes an abuse of Home City’s trust, andpossibly a criminal violation of the insider trading laws. Home City also retains considerable information which,though not necessarily confidential, must nonetheless be treated as confidential in accordance withthe Privacy of Consumer Information Act. Therefore, confidential information acquired by Home Cityis considered privileged and must be held in the strictest of confidence. It is to be used solelyfor Home City’s business purposes and not for personal gain by a staff member.**Dishonesty and Breach of Trust**A staff member shall not use their position to commit an act that would be considered illegal (e.g.theft, falsifying bank records, forgery, check kiting, etc.) All employees must conduct themselveswith honesty and integrity at all times. Suspicious activities must be reported to the SecurityOfficer or Compliance Officer. Upon receipt of such report an investigation will be conducted.All employees are to cooperate with the investigation. Withholding information or lying will because for immediate action or termination of employment.**Personal Investments**In making personal investments all employees shall be guided by a keen awareness of a potentialconflict of interest. An employee should not enter into a security transaction under conditionswhere information generally not available to the public was used for making the decision to invest.**Personal Borrowing**Employees and officers of Home City may borrow from other financial institutions provided thosetransactions are arms-length, at market prices, and control of the lending situation is clearly inthe hands of the lender. Employees are not permitted to borrower from other customers orsuppliers. This prohibition does not preclude borrowing from anyone directly related to theemployee by blood or marriage.Whenever, an executive officer becomes indebted to Home City or any other financial institutionthey must report this event in writing to the Chief Executive Officer. When this debt is from HomeCity the CEO will report this debt to the Board of Directors. However, if the debt is with acorrespondent bank, the individuals may need to complete a written form documenting this event inaccordance with Regulation O.
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