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                                   EXHIBIT 10.11



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                             HOME FEDERAL SAVINGS BANK
                            CHANGE-IN-CONTROL AGREEMENT

     This Change-in-Control Agreement (the "Agreement") is entered into as of
this 3rd day of March, 1997 by and between Home Federal Savings Bank, a
federally-chartered savings bank (the "Bank") and Gene F. Uher (the "Employee"),
currently residing at 4915 Caraway Drive, Sioux Falls, South Dakota 57106.

     WHEREAS, the Employee is currently serving as a vice president of the Bank,
holding the title of Executive Vice President and Chief Operations Officer; and

     WHEREAS, the Bank is a wholly-owned subsidiary of HF Financial Corp., (the
Holding Company"), and the Holding Company offers its common stock for sale to
the public and is subject to supervision by the Securities and Exchange
Commission ("SEC"); and

     WHEREAS, both the Bank and the Holding Company are subject to supervision
by the Office of Thrift Supervision (the "OTS"); and

     WHEREAS, the Board of Directors of the Bank recognizes that, as is the case
with publicly held corporations generally, the possibility of a
change-in-control of the Holding Company may exist and that such possibility,
and the uncertainty and questions which it may raise among management, may
result in the departure or distraction of key management personnel to the
detriment of the Bank, the Holding Company and its stockholders; and

     WHEREAS, the Board of Directors of the Bank believes it is in the best
interests of the Bank to enter into this Agreement with the Employee in order to
assure continuity of management of the Bank and to reinforce and encourage the
continued attention and dedication of the Employee to his assigned duties
without distraction in the face of potentially disruptive circumstances arising
from the possibility of a change-in-control of the Holding Company, although no
such change is now known of; and

     WHEREAS, the Board of Directors of the Bank has approved and authorized the
execution of this Agreement with the Employee to take effect as stated in
Section 1 hereof;

     NOW, THEREFORE, in consideration of the foregoing and of the respective
covenants and agreements of the parties herein contained, it is agreed as
follows:

     1.   TERM OF AGREEMENT. This Agreement will commence on March 3, 1997 and
shall continue in effect until the third anniversary of that date; and,
commencing on the first anniversary of the date hereof and on each anniversary
thereafter, the term of this Agreement shall automatically be extended for one
additional year unless, not later than 90 days prior to any such date of
automatic extension of this Agreement, the Bank shall have given notice that the
Agreement will not be so extended; provided, however, if a Change-in-Control
shall have occurred during the original or any extended term of this Agreement,
this Agreement shall in all events continue in effect for a period of 24 months
following a Change-in-Control; provided, further, that if Employee becomes
entitled to payments in accordance with Section 4 of this Agreement (or asserts
a claim for such payments) during the term of this Agreement as heretofore
described, this Agreement will thereafter survive indefinitely to ensure that
Employee receives all payments and benefits to which Employee is entitled
pursuant to the terms hereof.

     2.   CHANGE-IN-CONTROL. No benefits shall be payable hereunder unless there
shall have been a Change-in-Control, as set forth below. For purposes of this
Agreement, a "Change-in-Control" shall mean:


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     a.   a change-in-control of a nature that would be required to be reported
in response to Item 6(e) of Schedule 14A of Regulation 14A promulgated under the
Securities Exchange Act of 1934, as amended (the "Exchange Act"), whether or not
the Holding Company is then subject to such reporting requirement; or

     b.   the public announcement (which, for purposes of this definition, shall
include, without limitation, a report filed pursuant to Section 13(d) of the
Exchange Act) by the Holding Company or any "person" (as such term is used in
Sections 13(d) and 14(d) of the Exchange Act) that such person has become the
"beneficial owner" (as defined in Rule 13d-3 promulgated under the Exchange
Act), directly or indirectly, of securities of the Holding Company (i)
representing 20% or more, but not more than 50%, of the combined voting power of
the Holding Company's then outstanding securities unless the transaction
resulting in such ownership has been approved in advance by the Continuing
Directors (as hereinafter defined) or (ii) representing more than 50% of the
combined voting power of the Holding Company's then outstanding  securities
(regardless of any approval by the Continuing Directors); provided, however,
that notwithstanding the foregoing, no Change-in-Control shall be deemed to have
occurred for purposes of this Agreement by reason of the ownership of 20% or
more of the total voting capital stock of the Holding Company then issued and
outstanding by the Holding Company, any subsidiary of the Holding Company or any
employee benefit plan of the Holding Company or of any subsidiary of the Holding
Company or any entity holding shares of the Common Stock organized, appointed or
established for, or pursuant to the terms of, any such plan (any such person or
entity described in this clause is referred to herein as a "Company Entity"); or

     c.   any acquisition of control as defined in 12 Code of Federal
Regulations Section 574.4, or any successor regulation, of the Holding Company
which would require the filing of an application for acquisition of control or
notice of change in control in a manner which is set forth in 12 CFR Section
574.3, or any successor regulation; or

     d.   the Continuing Directors (as hereinafter defined), cease to constitute
a majority of the Holding Company's Board of Directors; or

     e.   the shareholders of the Holding Company approve (i) any consolidation
or merger of the Holding Company in which the Holding Company is not the
continuing or surviving Holding Company or pursuant to which shares of Holding
Company stock would be converted into cash, securities or other property, other
than a merger of the Holding Company in which shareholders immediately prior to
the merger have the same proportionate ownership of stock of the surviving
Holding Company immediately after the merger; (ii) any sale, lease, exchange or
other transfer (in one transaction or a series  of related transactions) of all
or substantially all of the assets of the Holding Company; or (iii) any plan of
liquidation or dissolution of the Holding Company.

          For purposes of this definition, "Continuing Director" shall mean any
          person who is a member of the Board  of Directors of the Holding
          Company, while such person is a member of the Board of Directors, who
          is not an Acquiring Person (as defined below) or an Affiliate or
          Associate (as defined below) of an Acquiring Person, or a
          representative of an Acquiring Person or of any such "Affiliate" or
          Associate, and who (i) was a member of the Board of Directors on the
          date of this Agreement as first written above or (ii) subsequently
          becomes a member of the Board of Directors, if such person's initial
          nomination for election or initial election to the Board of Directors
          is recommended or approved by a majority of the Continuing Directors.
          For purposes of this definition, "Acquiring Person" shall mean any
          "person" (as such term is used in Sections 13(d) and 14(d) of the
          Exchange Act) who or which, together with all Affiliates and
          Associates of such person, is the "beneficial owner" (as defined in
          Rule 1 3d-3 promulgated under the Exchange Act) directly or
          indirectly, of securities of the Holding Company representing 20% or
          more of the combined voting power of the Holding Company's then
          outstanding securities, but shall not include the Investors or any
          Holding Company Entity; and "Affiliate" and Associate" shall have
          their respective meanings ascribed to such terms in Rule 12b-2
          promulgated under the Exchange Act.

     3.   TERMINATION FOLLOWING A CHANGE-IN-CONTROL. If a Change-in-Control
shall have occurred, Employee shall be 

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entitled to the benefits provided in Section 4(a) hereof upon any termination of
Employee's employment within 24 months of such Change-in Control unless such
termination is (i) because of Employee's death, (ii) by the Bank for Cause (as
defined below) or (iii) by Employee other than for Good Reason (as defined
below):

a.   CAUSE. Termination by the Bank of Employee's employment for Cause" shall
mean termination upon (i) the willful and continued failure by Employee to
substantially perform Employee's duties with the Bank (other than any such
failures resulting from Employee's disability or from Employee's termination for
Good Reason), after a demand for substantial performance is delivered to
Employee which specifically identifies the manner in which the Bank believes
that Employee has not substantially performed his duties, and Employee has
failed to resume substantial performance of those duties on a continuous basis
within 14 days of receiving such demand, (ii) Employee's willful engaging in
conduct which is demonstrably and materially injurious to the Bank, monetarily
or otherwise, (iii) Employee's conviction of a felony which impairs his ability
substantially to perform Employee's duties with the Bank, (iv) the Employee's
personal dishonesty, incompetence, breach of fiduciary duty for personal profit
or willful violation of any law, rule or regulation (other than traffic
violations or similar offenses) or final cease and desist order, or (v) the
Employee's material breach of this Agreement. For purposes of this Subsection,
no act, or failure to act, on the part of the Employee shall be deemed "willful"
unless done, or omitted to be done, by Employee not in good faith and without
reasonable belief that Employee's action or omission was in the best interest of
the Bank. Failure to perform duties with the Bank during any period of
disability shall not constitute Cause. 

Notwithstanding the foregoing, Employee shall not be deemed to have been
terminated for Cause unless and until there shall have been delivered to the
Employee written notice from the Chief Executive Officer stating that in the
good faith opinion of the Chief Executive Officer the Employee was guilty of
conduct constituting "Cause" as set forth above and specifying the particulars
thereof.

b.   GOOD REASON. Employee's termination of employment for "Good Reason" shall
mean termination by the Employee upon the occurrence, without his express
written consent, within 24 months following a Change-in-Control of any one or
more of the following:

          i)   the assignment to the Employee of any duties inconsistent in any
respect with Employee's position (including status, office, titles, and
reporting requirements), authorities, duties, or other responsibilities as in
effect immediately prior to the Change-in-Control or any other action of the
Bank which results in a diminishment in such position, authority, duties, or
responsibilities, other than an insubstantial and inadvertent action which is
remedied by the Bank promptly after receipt of notice thereof given by Employee;

          ii)  a reduction by the Bank in Employee's base salary as in effect on
the date hereof or as the same shall be increased from time to time;

          iii) the Bank's requiring Employee to be based at a location outside
of Sioux Falls, South Dakota;

          iv)  the failure by the Bank to (a) continue in effect any material
compensation or benefit plan, program, policy or practice in which Employee was
participating at the time of the Change-in-Control or (b)  provide the Employee
with compensation and benefits at least equal (in terms of benefit levels and/or
reward opportunities) to those provided for under each employee benefit plan,
program, policy and practice as in effect immediately prior to the
Change-in-Control (or as in e ffect following the Change-in-Control, if
greater);

          v)   the failure of the Bank to obtain a satisfactory agreement from
any successor to the Bank to assume and agree to perform this Agreement, as
contemplated in Section 7 hereof; and

          vi)  any purported termination by the Bank of the Employee's
employment that is not effected pursuant to a Notice of Termination (as defined
below);

     The Bank's right to terminate Employee's employment pursuant to this
Subsection shall not be affected by the Employee's incapacity due to physical or
mental illness. The Employee's continued employment shall not constitute consent
to, or a waiver of rights with respect to, any circumstance constituting Good
Reason hereunder. Employee's Termination of employment for Good Reason as
defined in this Subsection 3(b) shall constitute termination for Good Reason for
all purposes of this Agreement, notwithstanding that the Employee may also
thereby be deemed to have "retired" under any applicable 

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retirement programs of the Bank.

     c.   NOTICE OF TERMINATION. Any purported termination of the Employee's
employment by the Bank or by the Employee (other than by reason of the
Employee's death) within 24 months following the month in which a
Change-in-Control occurs, shall be communicated by Notice of Termination to the
other party hereto in accordance with Section 8 hereof. No purported termination
of the Employee's employment by the Bank shall be effective if it is not
pursuant to a Notice of Termination. Failure by the Employee to provide Notice
of Termination shall not limit any of the Employee's rights under this Agreement
except to the extent the Bank can demonstrate that it suffered actual damages by
reason of such failure. For purposes of this Agreement, a "Notice of
Termination" shall mean a written notice which shall indicate the specific
termination provision in this Agreement which was relied upon and the Date of
Termination (as defined below) and shall set forth in reasonable detail the
facts and circumstances claimed to provide a basis for termination of the
Employee's employment under the provision so indicated.

     d.   DATE OF TERMINATION. "Date of Termination" shall mean the date
specified in the Notice of Termination (except in the case of the Employee's
death, in which case Date of Termination shall be the date of death); provided,
however, that if the Employee's employment is terminated by the Bank, the date
specified in the Notice of Termination shall be at least 30 days from the date
the Notice of Termination is given to the Employee and if the Employee
terminates his employment for Good Reason, the date specified in the Notice of
Termination shall not be more than 60 days from the date the Notice of
Termination is given to the Bank.

     4.   COMPENSATION UPON TERMINATION. Following a Change-in-Control, upon
termination of employment during the term of this Agreement the Employee shall
be entitled to the following benefits:

     a.   If employment by the Bank shall be terminated (A) by the Bank for any
reason other than Cause, or (B) by the Employee for Good Reason, the Employee
shall be entitled to the benefits, to be funded from the general assets of the
Bank, provided below:

          i)   the Bank shall pay the Employee full base salary through the Date
of Termination at the rate in effect at the time Notice of Termination is given;

          ii)  the Bank will pay as severance benefits to the Employee, not
later than 30 days following the Date of Termination, a lump sum severance
payment equal to 299% of the sum of (A) the Employee's annual base salary in
effect at the time Notice of Termination is given or immediately prior to the
date of the Change-in-Control, whichever is greater, and (B) the greater of
incentive compensation payments which were potentially available to the Employee
at the time Notice of Termination is given or immediately prior to the date of
the Change-in-Control and, in either case, annualized for the entire fiscal year
(or if there is no such incentive payment, the amount earned in the last fiscal
year prior to the Change-in-Control);

          iii) for a 24-month period after the Date of Termination, the Bank
               will arrange to provide the employee with welfare benefits
               (including life and health insurance benefits), perquisites and
               other employee benefits of substantially similar design and cost
               to the Employee as the welfare benefits, perquisites and other
               employee benefits available to the Employee immediately prior to
               the Notice of Termination; but benefits otherwise receivable by
               the Employee pursuant to this Subsection (iii) shall be
               discontinued if the Employee obtains full-time employment
               providing welfare benefits during the 24-month period following
               the Date of Termination. Further the Bank shall permit the
               Employee and his family to continue on its health and welfare
               employee benefit plans for a period not to exceed three years
               with Employee responsible for paying premiums at the COBRA
               premium rate.

          iv)  the full amount of any long-term cash incentive award for any
plan periods then in progress to the extent not provided for in such plan or
plans; and

     v)   individual out-placement counseling services for the Employee.

     b.   The payments provided for in Section 4(a) above shall be made not
          later than 30 days following the Date of Termination; provided,
          however, that if the amounts of such payments 


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          cannot be finally determined, on or before such day, the Bank shall
          pay to the Employee on such day an  estimate as determined in good
          faith by the Bank of the minimum amount of such payments and shall pay
          the remainder of such payments (together with interest from the date
          of such estimated payment at the rate provided in Section
          1274(b)(2)(B) of the Internal Revenue Code of 1986, as amended (the
          "Code")) as soon as the amount thereof can be determined but in no
          event later than 45 days after the Date of Termination. 

          In the event that the amount of the estimated payment exceeds the
          amount subsequently determined to have been due, such excess shall
          constitute a loan by the Bank to the Employee payable no later than 30
          days after demand by the Bank (together with interest from the date of
          such estimated payment at the rate provided in Section 1274(b)(2)(B)
          of the Code.

     c.   The Bank shall also pay to the Employee any legal fees and expenses
incurred by the Employee (i) as a result of successful litigation against the
Bank for nonpayment of any benefit hereunder or (ii) in connection with any
dispute with any Federal, state or local governmental agency with respect to
benefits claimed under this Agreement. If the Employee utilizes arbitration to
resolve any such dispute, the Bank will pay any legal fees and expenses incurred
by the Employee in connection therewith.

     d.   The Employee shall not be required to mitigate the amount of any
payment provided for in this Section 4 by seeking other employment or otherwise,
nor shall the amount of any payment provided for in this Section 4 be reduced by
any compensation earned by the Employee as the result of employment by another
employer after the Date of Termination, or otherwise, except as set forth in
Section 4a(iii) hereof.

     e.   Notwithstanding anything in this Agreement to the contrary, no
payments may be made pursuant to Section 4 hereof without the prior approval of
the OTS if following such payment the Bank would not be in compliance with its
fully phased-in capital requirements as defined in OTS regulations. Further, any
payments made to the Employee pursuant to this Agreement, or otherwise, are
subject to and conditioned upon their compliance with 12 USC Section 1828(k) and
any regulations promulgated thereunder.

     f.   Any payments made to the Employee pursuant to this Agreement, or
otherwise, are subject to and conditioned upon this compliance with 12 USC
Sec.1828(k) and any regulations promulgated thereunder.

5.   CERTAIN REDUCTION OF PAYMENTS by the Bank. Anything in this Agreement to
the contrary notwithstanding, in the event it shall be determined that any
payment or distribution by the Bank to or for the benefit of the Employee
(whether paid or payable or distributed or distributable pursuant to the terms
of this Agreement or otherwise) (a "Payment") would be nondeductible (in whole
or part) by the Bank for Federal income tax purposes because of Section 280G of
the Code, then the aggregate present value of amounts payable or distributable
to or for the benefit of the Employee pursuant to this Agreement (such amounts
payable or distributable pursuant to this Agreement are hereinafter referred to
as "Agreement Payments") shall be reduced to the Reduced Amount. The "Reduced
Amount" shall be an amount, not less than zero, expressed in present value which
maximizes the aggregate present value of Agreement Payments without causing any
Payment to be nondeductible by the Bank because of Section 280G of the Code. For
purposes of this Section 5, present value shall be determined in accordance with
Section 280G(d)(4) of the Code.

     6. NONEXCLUSIVITY RIGHTS. Nothing in this Agreement shall prevent or limit
     the Employee's continuing or future participation in any benefit, bonus,
     incentive, retirement or other plan or program provided by the Bank and for
     which the Employee may qualify, nor, except as provided in Section 13,
     shall anything herein limit or reduce such rights as the Employee may have
     under any other agreement with, or plan, program, policy or practice of,
     the Bank. Amounts which are vested benefits or which the Employee is
     otherwise entitled to receive under any agreement with, or plan, program,
     policy or practice of, the Bank (including, without limitation, the cashout
     of unused vacation days upon termination of employment) shall be payable in
     accordance with such agreement, plan, program, policy or practice, except
     as explicitly modified by this Agreement.


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     7.   SUCCESSORS
     a.   The Bank will require any successor (whether direct or indirect, by
purchase, merger, consolidation, or otherwise) to all or substantially all of
the business and/or assets of the Bank or of any division or subsidiary thereof
employing the Employee to expressly assume and agree to perform this Agreement
in the same manner and to the same extent that the Bank would be required to
perform if no such succession had taken place.  Failure of the Bank to obtain
such assumption and agreement prior to the effectiveness of any such succession
shall be a breach of this Agreement and shall entitle the Employee to
compensation from the Bank in the same amount and on the same terms as he would
be entitled hereunder if  his employment were terminated for Good Reason
following a Change-in Control, except that for purposes of implementing the
foregoing, the date on which any such succession becomes effective shall be
deemed the Date of Termination and Notice of Termination shall be deemed to have
been given on such date.

     b.   This Agreement shall inure to the benefit of and be enforceable by the
Employee's personal or legal representatives, executors, administrators,
successors, heirs, distributees, devisees, and legatees. If the Employee should
die while any amount would still be payable to him hereunder if he had continued
to live, all such amounts, unless otherwise provided herein, shall be paid in
accordance with the terms of this Agreement, to his devisee, legatee or other
designee or, if there is no such designee, to his estate or, if no estate, in
accordance with applicable law.

     8.   NOTICE. For the purpose of this Agreement, notices and all other
communications provided for in the Agreement shall be in writing and shall be
deemed to have been duly given when delivered or mailed by United States
registered mail, postage prepaid, addressed to the other party as follows:

     If to the Bank, to:
     
     Home Federal Savings Bank
     Attention: Corporate Secretary
     225 South Main Avenue
     Sioux Falls, SD 57117
     
     If to Employee, to:
     Gene F. Uher
     4915 Caraway Drive
     Sioux Falls, South Dakota 57106


      
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     Either party to this Agreement may change its address for purposes of this
     Section 8 by giving 15 days' prior notice to the other party hereto.

     9. MISCELLANEOUS. No provision of this Agreement may be modified, waived or
     discharged unless such waiver, modification or discharge is agreed to in
     writing and signed by the Employee and such officer as may be specifically
     designated by the Board to sign on behalf of the Bank. The validity,
     interpretation, construction, and performance of this Agreement shall be
     governed by the laws of the State of South Dakota.

     10. VALIDITY. The invalidity or unenforceability of any provision of this
     Agreement shall not affect the validity or enforceability of any other
     provision of this Agreement, which shall remain in full force and effect.

     11. COUNTERPARTS. This Agreement may be executed in several counterparts,
     each of which shall be deemed to be an original but all of which together
     will constitute one and the same instrument.

     12. ARBITRATION. If the Employee so elects, any dispute or controversy
     arising under or in connection with this Agreement shall be settled
     exclusively by arbitration in accordance with the rules of the American
     Arbitration Association then in effect. Judgment may be entered on the
     arbitrator's award in any court having jurisdiction; provided, however,
     that the Employee shall be entitled to seek specific performance of his
     right to be paid until the Date of Termination during the pendency of any
     dispute or controversy arising under or in connection with this Agreement.
     If the Employee does not elect arbitration, he may pursue any and all legal
     remedies available to him.

     13. EMPLOYMENT AGREEMENT. Reference is hereby made to that certain
     Agreement, dated contemporaneously with this Agreement, by and between the
     Bank and the Employee. The termination of the Employment Agreement shall
     have no effect on the term of this Agreement. All terms and conditions of
     the Employment Agreement shall continue in full force and effect (until
     termination of the Employment Agreement in accordance with its terms),
     including following a Change in Control, except as expressly modified by
     this Section. The mutual promises in this Agreement and in the Employment
     Agreement shall serve as consideration for each agreement contemporaneously
     executed. In the event of a Change-in-Control which triggers the payment of
     compensation to the Employee pursuant to Section 4 of this Agreement, this
     Agreement shall supersede and override any rights to payment under the
     Employment Agreement between the parties executed contemporaneously with
     this Agreement.

     14. EFFECTIVE DATE. This Agreement shall become effective as of the date
     first set forth in Section 1 hereof.

     15. EMPLOYMENT. This Agreement does not constitute a contract of employment
     or impose on the Bank any obligation to retain the Employee as an employee,
     to continue his current employment status or to change any employment
     policies of the Bank. 

     16. AMENDMENTS. No amendments or additions to this Agreement shall be
     binding unless in writing and signed by both parties, except as herein
     otherwise provided.

     17. SEVERABILITY. The provisions of this Agreement shall be deemed
     severable and the invalidity or unenforceability of any provision shall not
     affect the validity or unenforceability of the other provisions hereof.


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     IN WITNESS WHEREOF, the parties have executed this Agreement as of the day
     and year first above written.
      
      
      
      
                                                  HOME FEDERAL SAVINGS BANK
               
      
      
                                                  By  /s/ Curtis L. Hage
                                                    ------------------------
                                                  Its Chairman/President/CEO
                                                    ------------------------

                                                  EMPLOYEE
      
                                                  /s/Gene F. Uher
                                                     -------------
                                                     Gene F. Uher



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