Exhibit 21

Subsidiaries of Registrant

Name & Address	Year & State Inc.
Home Federal Savings Bank		1934
1016 Civic Center Drive NW	Federal Charter
Rochester, MN 55901
Osterud Insurance Agency, Inc.		1983
DBA Home Federal Investment Svcs.	MN
1016 Civic Center Drive NW
Rochester, MN 55901
Security Finance Corporation		1929
1016 Civic Center Drive NW	MN
Rochester, MN 55901