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                                   EXHIBIT 10.13
                                          
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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 8th day of April, 1998, by and between Home Federal Savings Bank, a
federally-chartered savings bank (the "Bank") and Michael H. Zimmerman (the
"Employee").

     WHEREAS, the Employee is currently serving as a senior vice president of
the Bank, holding the title of Senior Vice President/Senior Retail Lending
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 the date hereof
and shall continue in effect until the third anniversary of the date hereof;
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 assert 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:

     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 


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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 13d-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 entitled to the benefits provided in
Section 4(a) hereof upon any termination of Employee's employment during the
term of this Agreement 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 


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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.

               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, 
offices, 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 effect 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 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 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 


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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 2.99 times 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) annual
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, whichever is greater (or if there is no such incentive
payment, the amount earned in the last fiscal year prior to the
Change-in-Control);

                    iii) for the remaining term of the Agreement 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 remaining term of the Agreement following the Date of
Termination;

                    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)   the Bank shall pay for 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 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.  


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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.

     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.

     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


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               IF TO EMPLOYEE, TO:

                                   Michael H. Zimmerman
                                   5505 Seabrook Circle
                                   Sioux Falls, SD  57108

     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.

     14.  EFFECTIVE DATE.  This Agreement shall become effective as of the date
first set forth above.

     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.

     IN WITNESS WHEREOF, the parties have executed this Agreement as of the day
and year first above written.

                                   HOME FEDERAL SAVINGS BANK


                                   /s/ Curtis L. Hage
                                   ---------------------------------------------
                                   By:  Curtis L. Hage
                                        ----------------------------------------
                                   Its: Chairman, President and
                                        ----------------------------------------
                                             Chief Executive Officer
                                             -----------------------------------

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                                   EMPLOYEE



                                   /s/ Michael H. Zimmerman
                                   ---------------------------------------------
                                   Michael H. Zimmerman


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