SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549


FORM 10-KSB (Amended)

Annual Report Pursuant to Section 13 or 15(d) of the Securities  Exchange Act of
     1934 For fiscal year ended September 30, 1997
Transition report under Section 13 or 15(d) of the Securities Exchange
     Act of 1934

     For the transition period from ____________________ to ____________________

     Commission file number 0-25300

                       HARVEST HOME FINANCIAL CORPORATION
             (Exact name of Registrant as specified in its charter)


        Ohio                                          31-1402988
(State or other Jurisdiction of             (I.R.S. Employer Identification No.)
 incorporation or organization)

3621 Harrison Avenue, Cheviot, Ohio                      45211
(Address of Principal Executive Offices)               (Zip  Code)

Registrant's telephone number, including area code: (513) 661-6612

          Securities registered pursuant to 12(b) of the Exchange Act:

                                      None
                                (Title of Class)

         Securities registered under Section 12(g) of the Exchange Act:

                        Common shares without par value
(Title of Class)

     Indicate  by  checkmark  whether the  registrant  (1) has filed all reports
required to be filed by Section 13 or 15(d) of the  Securities  Exchange  Act of
1934  during  the  preceding  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.

  X       YES                         NO

     Check if there is no disclosure  of  delinquent  filers in response to Item
405 of Regulation S-B is not 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 its most recent fiscal year.  $6.0 million

     Based upon the bid price  provided  by the  NASDAQ  system,  the  aggregate
market  value of voting stock held by  non-affiliates  of the issuer on December
26, 1997 was $14.50.

     914,857 shares of issuer's  common shares were issued and outstanding as of
December 26, 1997,  this total is net of 77,018 shares of issuer's  common stock
repurchased as treasury shares.

                    Page 1 of 5 sequentially numbered pages.


<PAGE>
Item 6.  Management's Discussion and Analysis of Financial Condition and Results
of Operations


Other Matters

As with all providers of financial  services,  the Corporation's  operations are
heavily  dependent  on  information   technology  systems.  The  Corporation  is
addressing  the potential  problems  associated  with the  possibility  that the
computers  that  control or operate  the  Corporation's  information  technology
system and  infrastructure  may not be programmed to read  four-digit date codes
and, upon arrival of the year 2000, may recognize the two-digit code "00" as the
year 1900,  causing  systems to fail to function or to generate  erroneous data.
The  Corporation  is working  with the  companies  that  supply or  service  its
information  technology  systems to  identify  and remedy any year 2000  related
problems.

As of the date of this Form  10-KSB,  the  Corporation  has not  identified  any
specific  expenses that are reasonably  likely to be incurred by the Corporation
in connection with this issue and does not expect to incur  significant  expense
to implement  the  necessary  corrective  measures.  No assurance  can be given,
however, that significant expense will not be incurred in future periods. In the
event that the  Corporation  is  ultimately  required  to  purchase  replacement
computer systems,  programs and equipment,  or incur substantial expense to make
the Corporation's  current systems,  programs and equipment year 2000 compliant,
the  Corporation's  net  earnings  and  financial  condition  could be adversely
affected.

In addition to possible  expenses  related to its own systems,  the  Corporation
could  incur  losses if loan  payments  are  delayed  due to year 2000  problems
affecting any major borrowers in the Corporation's  primary market area. Because
the Corporation's loan portfolio is highly diversified with regard to individual
borrowers and types of businesses and the  Corporation's  primary market area is
not significantly  dependent upon one employer or industry, the Corporation does
not  expect any  significant  or  prolonged  difficulties  that will  affect net
earnings or cash flow.











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<PAGE>


Item 7.  Consolidated Financial Statements

Report of Independent Certified Public Accountants

Board of Directors
Harvest Home Financial Corporation

We have audited the accompanying  consolidated statements of financial condition
of Harvest Home Financial Corporation as of September 30, 1997 and 1996, and the
related  consolidated  statements of earnings,  stockholders'  equity,  and cash
flows for each of the three years ended September 30, 1997, 1996 and 1995. These
consolidated  financial  statements are the  responsibility of the Corporation's
management.  Our  responsibility is to express an opinion on these  consolidated
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 text 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 Harvest Home
Financial  Corporation as of September 30, 1997 and 1996,  and the  consolidated
results  of its  operations  and its  cash  flows  for each of the  years  ended
September  30,  1997,  1996 and 1995,  in  conformity  with  generally  accepted
accounting principles.



Cincinnati, Ohio
November 19, 1997                                    Grant Thornton, LLP














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<PAGE>


SIGNATURES



Dennis J. Slattery
Executive Vice President
Principal Accounting Officer

(There is no separate Principal Financial Officer)





























                                  Page 4 of 5
<PAGE>



                                    SIGNATURES
Pursuant to the  requirements of Section 13 or 15(d) of the Securities  Exchange
Act of 1934,  the  registrant  has duly  caused  this report to be signed on its
behalf by the undersigned, thereunto duly authorized.

                                  HARVEST HOME


                                 /s/John E. Rathkamp
                                 John E. Rathkamp
                                 President and Director (Principal Executive
                                 Officer)

Pursuant to the requirements of the Securities Exchange Act of 1934, this report
has been duly signed below by the following  persons on behalf of the registrant
and in the capacities and on the dates indicated.

By/s/Dennis J. Slattery                   By/s/Richard F. Hauck
  Dennis J. Slattery                      Richard F. Hauck
  Executive Vice President                Vice President and Director
  (Principal Accounting Officer)

Date  September 4, 1997                   Date  September 4, 1997




By/s/Walter A. Schuch                     By/s/Thomas L. Eckert
  Walter A. Schuch                        Thomas L. Eckert
  Director                                     Director

Date  September 4, 1997                   Date  September 4, 1997



By/s/Marvin J. Ruehlman                   By/s/Herbert E. Menkhaus
  Marvin J. Ruehlman                      Herbert E. Menkhaus
  Director                                Director
Date  September 4, 1997                   Date  September 4, 1997



By/s/George C. Eyrich
  George C. Eyrich
  Director

Date  September 4, 1997











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