SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13G
(Rule 13d-102)
INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT
TO RULES 13d-1(b)(c), AND (d) AND AMENDMENTS THERETO FILED
PURSUANT TO RULE 13d-2(b)
(Amendment No. 3)
PITTSBURGH HOME FINANCIAL CORP.
_____________________________________________________________________________
(Name of Issuer)
COMMON STOCK, PAR VALUE $0.01 PER SHARE
_____________________________________________________________________________
(Title of Class of Securities)
725149 10 8
_____________________________________________________________________________
(CUSIP Number)
DECEMBER 31, 1999
_____________________________________________________________________________
(Date of Event Which Requires Filing of this Statement)
Check the appropriate box to designate the rule pursuant to which this
Schedule is filed:
[x] Rule 13d-1(b)
Page 1 of 6 Pages
CUSIP NO. 725149 10 8 PAGE 2 OF 6 PAGES
_____________________ _________________
1. NAME OF REPORTING PERSON
I.R.S. IDENTIFICATION NO. OF ABOVE PERSON (ENTITY ONLY)
Pittsburgh Home Financial Corp. Employee Stock Ownership Plan
- -----------------------------------------------------------------------------
2. CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (a) [ ]
(b) [ ]
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3. SEC USE ONLY
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4. CITIZENSHIP OR PLACE OF ORGANIZATION
Pennsylvania
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5. NUMBER OF SHARES BENEFICIALLY OWNED BY EACH REPORTING PERSON WITH SOLE
VOTING POWER
142,173
- -----------------------------------------------------------------------------
6. NUMBER OF SHARES BENEFICIALLY OWNED BY EACH REPORTING PERSON WITH SHARED
VOTING POWER
49,320
- -----------------------------------------------------------------------------
7. NUMBER OF SHARES BENEFICIALLY OWNED BY EACH REPORTING PERSON WITH SOLE
DISPOSITIVE POWER
142,173
- -----------------------------------------------------------------------------
8. NUMBER OF SHARES BENEFICIALLY OWNED BY EACH REPORTING PERSON WITH SHARED
DISPOSITIVE POWER
49,320
- -----------------------------------------------------------------------------
9. AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
191,493
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10. CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES [ ]
- -----------------------------------------------------------------------------
11. PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9)
10.8%
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12. TYPE OF REPORTING PERSON
EP
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CUSIP NO. 725149 10 8 Page 3 of 6 Pages
_____________________ _________________
Item 1(a) Name of Issuer:
Pittsburgh Home Financial Corp.
Item 1(b) Address of Issuer's Principal Executive Offices:
225 Ross Street
Pittsburgh, Pennsylvania 15219
Item 2(a) Name of Person Filing:
Pittsburgh Home Financial Corp. Employee Stock Ownership Plan.
Item 2(b) Address of Principal Business Office or, if None, Residence:
Pittsburgh Home Financial Corp.
225 Ross Street
Pittsburgh, Pennsylvania 15219
Item 2(c) Citizenship:
Pennsylvania
Item 2(d) Title of Class of Securities:
Common Stock, par value $.01 per share
Item 2(e) CUSIP Number:
725149 10 8
Item 3. If this statement is filed pursuant to Rule 13d-1(b), or 13d-2(b)
or (c), check whether the person filing is a:
(f) [X] An employee benefit plan or endowment fund in
accordance with Rule 13d-1(b)(1)(ii)(F).
Item 4. Ownership.
(a) Amount beneficially owned:
191,493
CUSIP NO. 725149 10 8 PAGE 4 OF 6 PAGES
_____________________ _________________
(b) Percent of class: 10.8%
(c) Number of shares as to which such person has:
(i) Sole power to vote or to direct the vote 142,173
-------
(ii) Shared power to vote or to direct the vote 49,320
------
(iii) Sole power to dispose or to direct the disposition of
142,173
-------
(iv) Shared power to dispose or to direct the disposition
of 49,320
------
The Pittsburgh Home Financial Corp. Employee Stock Ownership Plan
Trust ("Trust") was established pursuant to the Pittsburgh Home
Financial Corp. Employee Stock Ownership Plan ("ESOP"). Under
the terms of the ESOP, the Trustees will generally vote the
allocated shares held in the ESOP in accordance with the
instructions of the participating employees. Unallocated shares
held in the ESOP will generally be voted by the ESOP Trustees in
the same proportion for and against proposals to stockholders as
the ESOP participants and beneficiaries actually vote shares of
Common Stock allocated to their individual accounts, subject in
each case to the fiduciary duties of the ESOP trustees and
applicable law. Any allocated shares which either abstain on the
proposal or are not voted will be disregarded in determining the
percentage of stock voted for and against each proposal by the
participants and beneficiaries. As of December 31, 1999, 49,320
shares had been allocated to participants' accounts and 142,173
shares were unallocated.
Item 5. Ownership of Five Percent or Less of a Class.
Not applicable since the reporting entity owns more than 5% of
the class.
Item 6. Ownership of More than Five Percent on Behalf of Another Person.
Participants in the ESOP are entitled to receive dividends on,
and the proceeds from, the sale of the shares allocated to their
accounts. The ESOP does not own more than 5% on behalf of
another person.
Item 7. Identification and Classification of the Subsidiary Which
Acquired the Security Being Reported on by the Parent Holding
Company.
Not applicable.
Item 8. Identification and Classification of Members of the Group.
Not applicable since the reporting entity is not a member of a
group.
CUSIP NO. 725149 10 8 Page 5 of 6 Pages
_____________________ _________________
Item 9. Notice of Dissolution of Group.
Not applicable since the reporting entity is not a member of a
group.
Item 10. Certification.
By signing below I certify that, to the best of my knowledge and
belief, the securities referred to above were acquired and are
held in the ordinary course of business and were not acquired and
are not held for the purpose of or with the effect of changing or
influencing the control of the issuer of the securities and were
not acquired and are not held in connection with or as a
participant in any transaction having that purpose or effect.
CUSIP NO. 725149 10 8 Page 6 of 6 Pages
_____________________ _________________
SIGNATURE
After reasonable inquiry and to the best of my knowledge and belief, I
certify that the information set forth in this statement is true, complete and
correct.
PITTSBURGH HOME FINANCIAL CORP.
EMPLOYEE STOCK OWNERSHIP PLAN TRUST
February 11, 2000 By: /s/ J. Ardie Dillen
---------------------------------
J. Ardie Dillen, Trustee
February 11, 2000 By: /s/ Stephen Spolar
---------------------------------
Stephen Spolar, Trustee
February 11, 2000 By: /s/ Charles A. Topnick
---------------------------------
Charles A. Topnick, Trustee
