UNION COMMUNITY BANCORP
SC 13G, 1998-01-27
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549



                                  SCHEDULE 13G


                    Under the Securities Exchange Act of 1934

                          (Amendment No. ___________)*


                             Union Community Bancorp
                         -------------------------------
                                (Name of Issuer)


                         Common Stock, without par value
                         -------------------------------
                         (Title of Class of Securities)


                                   906054 10 1
                         -------------------------------
                                 (CUSIP Number)





*The  remainder of this cover page shall be filled out for a reporting  person's
initial filing on this form with respect to the subject class of securities, and
for any  subsequent  amendment  containing  information  which  would  alter the
disclosures provided in a prior cover page.

The information required in the remainder of this cover page shall not be deemed
to be "filed" for the purpose of Section 18 of the  Securities  Exchange  Act of
1934 ("Act") or otherwise  subject to the liabilities of that section of the Act
but  shall be  subject  to all other  provisions  of the Act  (however,  see the
Notes).


                               Page 1 of 4 pages

<PAGE>


CUSIP No. 906054 10 1                 13G                      Page 2 of 4 Pages


1        NAME OF REPORTING PERSON
         S.S. OR I.R.S IDENTIFICATION NO. OF ABOVE PERSON

          Union Community Bancorp Employee Stock Ownership Plan and Trust
          Employer ID Number has been applied for.
- --------------------------------------------------------------------------------

2        CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*

         N/A                                                         (a) [ ]

                                                                     (b) [ ]

- --------------------------------------------------------------------------------

3        SEC USE ONLY

- --------------------------------------------------------------------------------

4        CITIZENSHIP OR PLACE OF ORGANIZATION                  Indiana          
- --------------------------------------------------------------------------------

NUMBER OF         5        SOLE VOTING POWER                   Zero
SHARES            --------------------------------------------------------------
BENEFICIALLY      6        SHARED VOTING POWER                 184,000 Shares
OWNED BY          --------------------------------------------------------------
EACH              7        SOLE DISPOSITIVE POWER              Zero
REPORTING         --------------------------------------------------------------
PERSON WITH       8        SHARED DISPOSITIVE POWER            184,000 Shares

- --------------------------------------------------------------------------------

9        AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON

          184,000 Shares
- --------------------------------------------------------------------------------

10       CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES*

           N/A
- --------------------------------------------------------------------------------

11       PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9              8%
- --------------------------------------------------------------------------------

12       TYPE OF REPORTING PERSON*                                    EP
- --------------------------------------------------------------------------------


                      *SEE INSTRUCTION BEFORE FILLING OUT!
<PAGE>



                                                                     Page 3 of 4

Item 1.

(a)      Union Community Bancorp

(b)      221 East Main Street, Crawfordsville, Indiana  47933


Item 2.

(a)      Union Community Bancorp Employee Stock Ownership Plan and Trust

(b)      c/o Home Federal Savings Bank, 501 Washington Street, Columbus, Indiana
         47201

(c)      Indiana

(d)      Union Community Bancorp Common Stock, without Par Value

(e)      906054 10 1


Item 3. If this statement is filed pursuant to Rule 13d-1(b), or 13d-2(b), check
whether the person filing is a:

(f)      Employee Benefit Plan,  Pension Fund which is subject to the provisions
         of the  Employee  Retirement  Income  Security Act of 1974 or Endowment
         Fund


Item 4.  Ownership

(a)      184,000

(b)      8%

(c)      (i)      0
         (ii)     184,000
         (iii)    0
         (iv)     184,000


Item 5.  Ownership of Five Percent or Less of a Class

N/A


<PAGE>

                                                                     Page 4 of 4

Item 6.  Ownership of More than Five Percent on Behalf of Another Person.

Pursuant to the Union Community  Bancorp Employee Stock Ownership Plan and Trust
Agreement,  the  Administrative  Committee  which  administers  the plan has the
authority to direct the manner in which dividends  and/or proceeds from the sale
of securities are distributed.


Item 7.  Identification and Classification of the Subsidiary Which Acquired the 
         Security Being Reported on By the Parent Holding Company

N/A

Item 8.  Identification and Classification of Member of the Group

N/A

Item 9.  Notice of Dissolution of Group

N/A

Item 10. Certification

By signing below I certify  that,  to the best of my knowledge  and belief,  the
securities  referred to above were  acquired in the ordinary  course of business
and were not  acquired for the purpose of and do not have the effect of changing
or  influencing  the  control  of the  issuer  of such  securities  and were not
acquired in connection with or as a participant in any  transaction  having such
purposes or effect.

                                    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.


                                      Date   January 9, 1998

                                                Home Federal Savings Bank,
                                     as Trustee for the Union Community Bancorp
                                       Employee Stock Ownership Plan and Trust


                                      By:  /s/ David L. Fisher
                                           -------------------------------------
                                           David L. Fisher, Senior Vice
                                           President and Trust Officer




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