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|PART I.  | Financial Information                                                                                 | Page
|-------- | ----------------------------------------------------------------------------------------------------- | ----
|         |                                                                                                       |     
|         | Item 1. Consolidated Financial Statements                                                             |     
|         |                                                                                                       |     
|         | Consolidated Statements of Financial Condition at December 31, 2000
and September 30, 2000            | 1   
|         |                                                                                                       |     
|         | Consolidated Statements of Income for the Three Months Ended
December 31, 2000 and 1999               | 2   
|         |                                                                                                       |     
|         | Consolidated Statements of Comprehensive Income for the Three Months
Ended December 31, 2000 and 1999 | 3   
|         |                                                                                                       |     
|         | Consolidated Statements of Cash Flows for the Three Months EndedDecember 31, 2000 and 1999            | 4   
|         |                                                                                                       |     
|         | Notes to Consolidated Financial Statements                                                            | 5   
|         |                                                                                                       |     
|         | Item 2.  Management's Discussion and Analysis of Financial Condition and Results of Operations        | 7   
|         |                                                                                                       |     
|PART II. | Other Information                                                                                     | 12  
|         |                                                                                                       |     
|         | Signatures                                                                                            | 13  
|         |                                                                                                       |     

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|                                                                              | December 31,2000(Unaudited) | September 30,2000
|----------------------------------------------------------------------------- | --------------------------- | -----------------
|ASSETS                                                                        |                             |                  
|Cash and due from banks                                                       | $      917,729              | $    1,438,888   
|Interest-bearing deposits with banks                                          | 1,565,359                   | 3,029,003        
|Available for sale securities                                                 | 3,661,972                   | 3,739,453        
|Held to maturity securities, (Fair value of $44,432
  and $62,425)            | 44,603                      | 62,945           
|Loans, net of allowance ($101,365 and $88,659)                                | 37,280,012                  | 36,971,356       
|Federal Home Loan Bank stock, at cost                                         | 350,000                     | 341,400          
|Premises and equipment - net                                                  | 721,001                     | 730,422          
|Accrued interest receivable and other assets                                  | 591,112                     | 850,683          
|Total assets                                                                  | $  45,131,788               | $  47,164,150    
|                                                                              |                             |                  
|LIABILITIES AND SHAREHOLDERS' EQUITY                                          |                             |                  
|                                                                              |                             |                  
|Liabilities:                                                                  |                             |                  
|Interest-bearing deposits                                                     | $   32,802,253              | $  36,856,308    
|Federal Home Loan Bank advances                                               | 5,500,000                   | 3,500,000        
|Accrued expenses and other liabilities                                        | 458,622                     | 507,075          
|Total liabilities                                                             | 38,760,875                  | 40,863,383       
|                                                                              |                             |                  
|Common stock in ESOP subject to put option                                    | 185,252                     | 217,238          
|                                                                              |                             |                  
|Other shareholders' equity:                                                   |                             |                  
|Common stock, $.01 par value, 1 million shares authorized,
    331,660 issued | 3,317                       | 3,317            
|Additional paid-in capital                                                    | 3,097,676                   | 3,098,381        
|Treasury stock, 35,000 shares at cost                                         | (605,000)                   | (605,000)        
|Retained earnings                                                             | 3,995,760                   | 3,944,650        
|Amount reclassified on ESOP shares                                            | (185,252)                   | (217,238)        
|Accumulated other comprehensive loss                                          | (38,836)                    | (44,472)         
|Unearned ESOP & recognition and retention shares                              | (82,004)                    | (96,109)         
|                                                                              | 6,185,661                   | 6,083,529        
|                                                                              |                             |                  
|Total liabilities and shareholders' equity                                    | $  45,131,788               | $  47,164,150    

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|                                                    | Three months ended December 31,
|--------------------------------------------------- | -------------------------------
|                                                    | 2000                           
|                                                    | (Unaudited)                    
|Interest income:                                    |                                
|Loans, including related fees                       | $    781,258                   
|Investments                                         | 32,366                         
|Mortgage-backed securities                          | 37,584                         
|Deposits with other banks                           | 47,482                         
|Total interest income                               | 898,690                        
|                                                    |                                
|Interest expense:                                   |                                
|Deposits                                            | 414,400                        
|Borrowings                                          | 51,866                         
|Total interest expense                              | 466,266                        
|                                                    |                                
|Net interest income                                 | 432,424                        
|Provision for loan losses                           | (15,000)                       
|Net interest income after provision for loan losses | 417,424                        
|                                                    |                                
|Noninterest income:                                 |                                
|Gain on sale of assets                              | -                              
|Customer service fees                               | 25,748                         
|Total other income                                  | 25,748                         
|                                                    |                                
|Noninterest expenses:                               |                                
|Salaries and employee benefits                      | 169,835                        
|Occupancy and equipment                             | 41,572                         
|Deposit insurance premium                           | 1,825                          
|Computer expense                                    | 14,969                         
|Service fees                                        | 14,839                         
|Advertising expense                                 | 7,683                          
|Professional fees                                   | 32,707                         
|Other expense                                       | 34,023                         
|Total other expenses                                | 317,453                        
|                                                    |                                
|Income before income taxes                          | 125,719                        
|Income tax expense                                  | 52,359                         
|Net income                                          | $    73,360                    
|Basic earnings per share of common stock            | $        0.25                  
|Weighted average shares outstanding                 | 287,842                        
|Diluted earnings per share of common stock          | $        0.25                  
|Diluted weighted average shares outstanding         | 287,842                        

---

|                                               | Three months ended December 31,
|---------------------------------------------- | -------------------------------
|                                               | 2000                           
|                                               | (Unaudited)                    
|                                               |                                
|Net income                                     | $    73,360                    
|                                               |                                
|Other comprehensive income, net of income tax: |                                
|Unrealized holding gains and (losses)          | (5,636)                        
|                                               |                                
|Comprehensive income                           | $    67,724                    

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|                                                                                      | Three months ended December 31,
|------------------------------------------------------------------------------------- | -------------------------------
|                                                                                      | 2000                           
|                                                                                      | (Unaudited)                    
|Cash flows from operating activities:                                                 |                                
|Net income                                                                            | $    73,360                    
|Adjustments to reconcile net income to net cash
    from operating activities:        |                                
|Depreciation                                                                          | 11,421                         
|Provision for loan losses                                                             | 15,000                         
|Non cash compensation                                                                 | 13,400                         
|Change in assets and liabilities:                                                     |                                
|Accrued interest receivable and other assets                                          | 239,313                        
|Accrued expenses and other liabilities                                                | (48,453)                       
|Net cash from operating activities                                                    | 304,041                        
|                                                                                      |                                
|Cash flows from investing activities:                                                 |                                
|Net change in interest-bearing deposits with banks                                    | 1,463,644                      
|Proceeds from maturities and principal reductions of	
    held-to-maturity securities | 18,342                         
|Proceeds from maturities of available-for-sale securities                             | 103,375                        
|Purchase of Federal Home Loan Bank stock                                              | (8,600)                        
|Net change in loans made to customers                                                 | (323,656)                      
|Property and equipment expenditures, net                                              | (2,000)                        
|Net cash from investing activities                                                    | 1,251,105                      
|                                                                                      |                                
|Cash flows from financing activities:                                                 |                                
|Net changes in deposits                                                               | (4,054,055)                    
|Proceeds from Federal Home Loan Bank Advances                                         | 5,500,000                      
|Paydowns on Federal Home Loan Bank Advances                                           | (3,500,000)                    
|Dividends paid on common stock                                                        | (22,250)                       
|Net cash from financing activities                                                    | (2,076,305)                    
|Net changes in cash and cash equivalents                                              | (521,159)                      
|Cash and cash equivalents at beginning of period                                      | 1,438,888                      
|Cash and cash equivalents at end of period                                            | $    917,729                   
|Interest paid                                                                         | $    551,175                   
|Income taxes paid                                                                     | $      10,900                  

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|                                                             | Income(Numerator) | Shares(Denominator) | Per-ShareAmount
|------------------------------------------------------------ | ----------------- | ------------------- | ---------------
|For the Three Months Ended December 31,2000                  |                   |                     |                
|**Basic EPS**                                                |                   |                     |                
|Income available to common shareholders                      | $73,360           | 287,842             | $0.25          
|Effect of dilutive securities:                               |                   |                     |                
|Incentive stock option plan shares                           |                   | -                   |                
|**Diluted EPS**                                              |                   |                     |                
|Income available to common shareholders+
assumed conversions | $73,360           | 287,842             | $0.25          
|                                                             |                   |                     |                
|For the Three Months Ended December 31, 1999                 |                   |                     |                
|**Basic EPS**                                                |                   |                     |                
|Income available to common shareholders                      | $71,884           | 283,354             | $0.25          
|Effect of dilutive securities:                               |                   |                     |                
|Incentive stock option plan shares                           |                   | 727                 |                
|**Diluted EPS**                                              |                   |                     |                
|Income available to common shareholders+
assumed conversions | $71,884           | 283,041             | $0.25          

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|            | For the three months ended December 31,
|----------- | ---------------------------------------
|            | 2000                                   
|            |                                        
|Beginning   | $  89,000                              
|            |                                        
|Provision   | 15,000                                 
|Charge-offs | (4,000)                                
|Recoveries  | 1,000                                  
|            |                                        
|Ending      | $101,000                               

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|                               | Amount
(in thousands) | Percent of Assets
|------------------------------ | --------------------- | -----------------
|Tangible Capital               | $  4,913              | 11.02%           
|Tangible Capital Requirement   | $     669             | 1.50%            
|Excess                         | $  5,582              | 9.52%            
|                               |                       |                  
|Core Capital                   | $  4,913              | 11.02%           
|Core Capital Requirement       | $  1,783              | 4.00%            
|Excess                         | $  3,130              | 7.02%            
|                               |                       |                  
|Total Capital (Core & Supple.) | $   5,014             | 19.22%           
|Risk-Based Capital Requirement | $   2,086             | 8.00%            
|Excess                         | $   2,928             | 11.22%           

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|Item 1. | Legal Proceedings                                   
|------- | ----------------------------------------------------
|        | None                                                
|        |                                                     
|        |                                                     
|Item 2. | Changes in Securities and Use of Proceeds           
|        | None                                                
|        |                                                     
|        |                                                     
|Item 3. | Defaults Upon Senior Securities                     
|        | None                                                
|        |                                                     
|        |                                                     
|Item 4. | Submission of Matters to a Vote of Securitiy Holders
|        | None                                                
|        |                                                     
|        |                                                     
|Item 5. | Other Information                                   
|        | None                                                
|        |                                                     
|        |                                                     
|Item 6. | Exhibits and Reports on Form 8-K                    
|        | (a)                                                 
|        |                                                     
|        |                                                     
|        | (b)                                                 
|        |                                                     
|        |                                                     

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|                         |  | HOME BUILDING BANCORP, INC.Registrant                                                             
|------------------------ |  | --------------------------------------------------------------------------------------------------
|                         |  |                                                                                                   
|                         |  |                                                                                                   
|                         |  |                                                                                                   
|Date:  February 14, 2001 |  | /s/  John B. GrahamJohn B. Graham, President and      Chief Executive Officer                     
|                         |  |                                                                                                   
|                         |  |                                                                                                   
|                         |  |                                                                                                   
|Date:  February 14, 2001 |  | /s/  Debra K. ShieldsDebra K. Shields, Vice President, Chief       Financial Officer
and Secretary