Founded in 1911, Owen Community Bank, a wholly owned subsidiary of Home Financial Bancorp, provides commercial and retail banking services. It offers various products and services, such as certificates of deposit, savings accounts, check imaging, business checking, value-added checking, ATM's, individual retirement accounts, money management accounts, Internet and phone banking, lines of credit and investment services. The bank also offers lockers, notary services, travelers checks, wire transfers and night depository services. The bank provides a variety of loans to customers, such as term loans, commercial real estate loans, home equity, vehicle and share loans. Headquartered in Spencer, Ind., Owen Community Bank has a branch office in Cloverdale, Ind.