**EXHIBIT 31.2**
**CERTIFICATION**
I, Charles A. Mihal, Secretary, Treasurer and Chief Financial Officer of Home City FinancialCorporation, certify, that:
1.  I have reviewed this annual report on Form 10-KSB of Home City Financial Corporation; 2.  Based on my knowledge, this annual report does not contain any untrue statement of a materialfact or omit to state a material fact necessary to make the statements made, in light of thecircumstances under which such statements were made, not misleading with respect to the periodcovered by this annual report; 3.  Based on my knowledge, the financial statements, and other financial information included inthis annual report, fairly present in all material respects the financial condition, resultsof operations, and cash flows of the small business issuer as of, and for, the periodspresented in this annual report; 4.  The small business issuer’s other certifying officers and I are responsible for establishingand 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 controlsand procedures to be designed under our supervision, to ensure that material informationrelating to the small business issuer, including its consolidated subsidiaries, is made known to us byothers within those entities, particularly during the period in which the annual report is beingprepared;  b.  Evaluated the effectiveness of the small business issuer’s disclosure controls andprocedures as of a date within 90 days prior to the filing date of this annual report (the“Evaluation Date”); and  c.  Disclosed in this report any change in the small business issuer’s internal controlover 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 hasmaterially affected, or is reasonably likely to materially affect, the small business issuer’sinternal control over financial reporting; and
5.  The small business issuer’s other certifying officer and I have disclosed, based on our mostrecent evaluation of internal control over financial reporting, to the small business issuer’sauditors and the audit committee of the small business issuer board of directors (or personsperforming the equivalent functions):
 a.  Any significant deficiencies and material weaknesses in the design or operation ofinternal control over financial reporting which are reasonably likely to adversely affectthe small business issuer’s ability to record, process, summarize, and report financialinformation;
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 b.  Any fraud, whether or not material, that involves management or other employees who have asignificant role in the small business issuer’s internal controls over financial reporting.   /s/Charles A. Mihal  Charles A. Mihal  Secretary, Treasurer and Chief Financial Officer  March 21, 2005  
A signed original of this written statement has been provided to Home City Financial Corporationand will be retained by Home City Financial Corporation and furnished to the Securities andExchange Commission or its staff upon request.
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