1999 Annual Report

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Home Federal Bancorp
222 W. Second St.
P.O. Box 648
Seymour, IN 47274-0648

Table of Contents

Letter to Shareholders
Selected Consolidated Financial Data
Quarterly Results of Operations
Management's Discussion & Analysis
Consolidated Balance Sheets
Consolidated Statements of Income
Consolidated Statements of Shareholders' Equity
Consolidated Statements of Cash Flows
Notes to Consolidated Financial Statements

Independent Auditor's Report
Board of Directors & Officers

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In Memoriam

ROBERT WEBER
1919-1999

Robert Weber became a director of Home Federal in May of 1970. He served honorably and with great dedication, as both director and director emeritus, until the time of his death on February 12, 1999. The Board of Directors and the staff of Home Federal Bancorp wish to express their deep sense of loss at his passing and to commemorate his loyal and able service.