SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
___________________
SCHEDULE 13D
Under the Securities Exchange Act of 1934*
HARVEST HOME FINANCIAL CORPORATION
(Name of Issuer)
Common Stock
(Title of Class of Securities)
41753P107
(CUSIP Number)
Larry D. Bone
18 North East Street
Lebanon, OH 45036-1810
(513) 932-3126
(Name, address and telephone number of person
authorized to receive notices and communications)
March 15, 2000
(Date of event which requires filing of this statement).
If the filing person has previously filed a statement on
Schedule 13G to report the acquisition that is the subject of
this Schedule 13D, and is filing this schedule because of Rule
13d-1(e), Rule 13d-1(f) or Rule 13d-1(g), check the following
box. [ ]
Note: Schedules filed in paper format shall include a signed
original and five copies of the schedule, including all
exhibits. See Rule 13d-7(b) for other parties to whom copies
are to be sent.
*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 disclosures
provided in a prior cover page.
The information required on the remainder of this cover page
shall not be deemed to be "filed for the purposes 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).
CUSIP NO. 41753P107
(1) Names of Reporting Persons
Larry D. Bone and Hope I Bone, husband and wife
(collectively "Registrants")
I.R.S. Identification Nos. of Above Persons
(2) Check the Appropriate Box if a Member of a Group (See
Instructions)
(a) X
(b)
(3) SEC Use Only
(4) Source of Funds (See Instructions)
PF
(5) Check if Disclosure of Legal Proceedings is Required
Pursuant to Items 2(d) or 2(e)
(6) Citizenship or Place of Organization
The Registrants are both citizens of the United States
Number of (7) Sole Voting Power
Shares 0
Beneficially (8) Shared Voting Power
Owned by 49,447
Each (9) Sole Dispositive Power
Reporting 0
Person With (10) Shared Dispositive Power
49,447
(11) Aggregate Amount Beneficially Owned by Each Reporting
Person
49,447
(12) Check if the Aggregate Amount in Row (11) Excludes
Certain Shares (See Instructions)
(13) Percent of Class Represented by Amount in Row (11)
5.6%
(14) Type of Reporting Person (See Instructions)
Both Registrants are IN
Item 1. Security and Issuer
This statement relates to the common stock without par
value (the "Common Stock") of Harvest Home Financial Corporation
(the "Company"). The Company's principal executive offices are
located at 3621 Harrison Avenue, Cincinnati, Ohio 45211.
Item 2. Identity and Background
(a) Name
This statement is filed by Larry D. Bone and Hope I.
Bone, husband and wife, with respect to the shares of Common
Stock beneficially owned by them.
(b) Business Address
Bone & Bone, Certified Public Accountants
18 North East Street
Lebanon, Ohio 45036-1810
(c) Principal Occupation
The Registrants are both Certified Public Accountants
for the firm of Bone & Bone, CPAs.
(d) Criminal Proceedings
Neither Registrant has, during the last five years,
been convicted in a criminal proceeding (excluding traffic
violations or similar misdemeanors).
(e) Civil Proceedings
Neither Registrant has, during the last five years,
been a party to a civil proceeding of a judicial or administra-
tive body of competent jurisdiction and, as a result of such
proceeding, was, or is subject to, a judgment, decree or final
order enjoining future violations of, or prohibiting or man-
dating activities subject to, Federal or State securities laws
or finding any violation with respect to such laws.
(f) Citizenship
Both Registrants are citizens of the United States.
Item 3. Source and Amount of Funds or Other Consideration
The Registrants have acquired the shares of Common Stock
through Bone & Bone's pension and profit-sharing plan and,
consequently, personal funds were utilized to make the
purchases. The Registrants beneficially own 49,447 shares of
Common Stock. The most recent purchase made on March 15, 2000
was for 6,878 shares at approximately $18 per share. The March
15th transaction pushed the Registrants over the 5% threshold
and triggered this filing.
Item 4. Purpose of Transaction
The purpose of the acquisition of the shares by the
Registrants is for investment purposes. The Registrants do not
have any plans or proposals which relate to or would result in
any action or event described in clauses (a) through (j) of
Item 4.
Item 5. Interest in Securities of the Issuer
Mr. Bone owns 43,891 shares of Common Stock purchased
through Bone & Bone's pension and profit-sharing plan, and Mr.
Bone has the right to vote the shares. Mrs. Bone owns 5,556
shares of Common Stock purchased through Bone & Bone's pension
and profit-sharing plan, and Mrs. Bone has the right to vote the
shares. However, because of the relationship as husband and
wife, Mr. and Mrs. Bone exercise voting and dispositive rights
together with respect to all Common Stock owned by them.
Item 6. Contracts, Arrangements, Understandings or
Relationships With Respect to Securities of the Issuer.
Because of their relationship as husband and wife, the
Registrants exercise voting and dispositive rights together with
respect to all Common Stock owned by them.
Except as described above, neither Registrant is a party to
any contract, arrangement, understanding or relationship with
respect to securities of the Company of the type described in
Item 6.
Item 7. Material to be Filed as Exhibits.
None.
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.
March 27, 2000 March 27, 2000
Date Date
/s/ Larry D. Bone /s/ Hope I. Bone
Signature Signature
Larry D. Bone Hope I. Bone
Name/Title Name/Title
The original statement shall be signed by each person on
whose behalf the statement is filed or his authorized
representative. If the statement is signed on behalf of a
person by his authorized representative (other than an executive
officer or general partner of this filing person), evidence of
the representative's authority to sign on behalf of such person
shall be filed with the statement, provided, however, that a
power of attorney for this purpose which is already on file with
the Commission may be incorporated by reference. The name and
any title of each person who signs the statement shall be typed
or printed beneath his signature.
Attention: Intentional misstatements or omissions of fact
constitute Federal criminal violations (See 18 U.S.C. 1001).
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