[Kemper CPA group LETTERHEAD]
INDEPENDENT AUDITOR'S REPORT
To the Board of Directors
Home Building Bancorp, Inc.
Washington, Indiana
We have audited the accompanying consolidated statement of financial condition
of Home Building Bancorp, Inc., and subsidiaries, as of September 30, 1999, and
the related consolidated statement of income, comprehensive income,
shareholders' equity and cash flows for the year then ended. These consolidated
financial statements are the responsibility of the Corporation's management. Our
responsibility is to express an opinion on these consolidated financial
statements based on our audits.
We conducted our audit in accordance with generally accepted auditing standards.
Those standards require that we plan and perform the audit to obtain reasonable
assurance about whether the financial statements are free of material
misstatement. An audit includes examining, on a test basis, evidence supporting
the amounts and disclosures in the financial statements. An audit also includes
assessing the accounting principles used and significant estimates made by
management as well as evaluating the overall financial statement presentation.
We believe that our audit provides a reasonable basis for our opinion.
In our opinion, the consolidated financial statements referred to above present
fairly, in all material respects, the consolidated financial position of Home
Building Bancorp, Inc., and subsidiaries, as of September 30, 1999 and the
consolidated results of their operations and their cash flows for the year then
ended in conformity with generally accepted accounting principles.
/s/ Kemper CPA Group, LLC
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Kemper CPA Group, LLC
CERTIFIED PUBLIC ACCOUNTANTS AND CONSULTANTS
Mt. Carmel, Illinois
November 4, 1999
