<PAGE> 1

     As filed with the Securities and Exchange Commission on August 14, 2001
                                                  Registration No. 333-
================================================================================

                      SECURITIES AND EXCHANGE COMMISSION
                            WASHINGTON, D.C.  20549

                                   FORM S-8
                            REGISTRATION STATEMENT
                       UNDER THE SECURITIES ACT OF 1933

                       SECURITY FINANCIAL BANCORP, INC.
 (exact name of registrant as specified in its certificate of incorporation)

      DELAWARE                                           35-2085053
(state or other jurisdiction of               (IRS Employer Identification No.)
incorporation or organization)

                              9321 WICKER AVENUE
                           ST. JOHN, INDIANA 46373
                                (219) 365-4344
             (Address, including zip code, and telephone number,
      including area code, of registrant's principal executive offices)

                       SECURITY FINANCIAL BANCORP, INC.
                       2000 STOCK-BASED INCENTIVE PLAN
                           (Full Title of the Plan)
                       --------------------------------

JOHN P. HYLAND                                  COPIES TO:
PRESIDENT AND CHIEF EXECUTIVE OFFICER           LORI M. BERESFORD, ESQUIRE
SECURITY FINANCIAL BANCORP, INC.                THOMAS P. HUTTON, ESQUIRE
9321 WICKER AVENUE                              MULDOON MURPHY & FAUCETTE LLP
ST. JOHN, INDIANA 46373                         5101 WISCONSIN AVENUE, N.W.
(219) 365-4344                                  WASHINGTON, D.C.  20016
(Name, address, including zip code, and         (202) 362-0840
telephone number, including area code, of
agent for service)

 If any of the securities being registered on this Form are to be offered on a
 delayed or continuous basis pursuant to Rule 415 under the Securities Act of
 1933, check the following box. / X /
                                 ---
<TABLE>

=========================================================================================================
  Title of each Class of        Amount to be     Proposed Purchase   Estimated Aggregate   Registration
Securities to be Registered     Registered(1)     Price Per Share       Offering Price          Fee
---------------------------------------------------------------------------------------------------------
   <S>                            <C>                <C>                  <C>                  <C>
    Common Stock                  193,846
   $.01 par Value                 Shares (2)         $17.13 (3)           $3,321,113           $830
-----------------------------------------------------------------------------------------------------------
    Common Stock                  77,538
   $.01 par Value                 Shares (4)         $18.40 (5)           $1,426,699           $357
===========================================================================================================

(1) Together with an indeterminate number of additional shares which may be necessary to adjust the number
    of shares reserved for issuance pursuant to the Security Financial Bancorp, Inc. 2000 Stock-Based
    Incentive Plan (the "Incentive Plan") as the result of a stock split, stock dividend or similar
    adjustment of the outstanding Common Stock of Security Financial Bancorp, Inc. pursuant to
    17 C.F.R. ss.230.416(a).
(2) Represents the total number of shares currently reserved or available for issuance as options pursuant
    to the Incentive Plan.
(3) Represents the weighted average price determined by the exercise price of $16.88 per share at which
    options for 161,614 shares have been granted under the Incentive Plan to date and by $18.40, the fair
    market value of the Common Stock on August 10, 2001, as determined by the closing price on the Nasdaq
    National Market reported by the Wall Street Journal, for 32,232 shares for which options have not yet
    been granted under the Incentive Plan.
(4) Represents the total number of shares currently reserved or available for issuance as restricted stock
    awards under the Incentive Plan.
(5) The market value of the Common Stock on August 10, 2001, at which the 66,834 shares have been awarded
    under the Incentive Plan and 10, 704 shares which remain available for grant.

</TABLE>

THIS REGISTRATION STATEMENT SHALL BECOME EFFECTIVE IMMEDIATELY UPON FILING IN
ACCORDANCE WITH SECTION 8(A) OF THE SECURITIES ACT OF 1933, AS AMENDED, (THE
"SECURITIES ACT") AND 17 C.F.R. SS.230.462.

Number of Pages 14
Exhibit Index begins on Page 9



<PAGE> 2


SECURITY FINANCIAL BANCORP, INC.

PART I     INFORMATION REQUIRED IN THE SECTION 10(A) PROSPECTUS

Items 1 & 2. The document  containing  the  information  for Security  Financial
Bancorp,  Inc. 2000 Stock-Based  Incentive Plan (the " Incentive Plan") required
by  Part  I of  the  Registration  Statement  will  be  sent  or  given  to  the
participants in the Incentive Plan as specified by Rule 428(b)(1).  The document
is not filed with the Securities and Exchange Commission (the "SEC") either as a
part of this Registration  Statement or as a prospectus or prospectus supplement
pursuant to Rule 424 in reliance on Rule 428.

PART II    INFORMATION REQUIRED IN THE REGISTRATION STATEMENT

Item 3. Incorporation of Certain Documents by Reference

The following  documents  filed or to be filed with the SEC are  incorporated by
reference in this Registration Statement:

      (a) The Form 10-KSB, Annual Report, filed by the Registrant for the fiscal
year ended June 30, 2000, (File No. 000-27951),  which includes the consolidated
statements of financial  condition of Security Financial  Bancorp,  Inc. and its
wholly  owned  subsidiary  as  of  June  30,  2000  and  1999  and  the  related
consolidated statements of operations,  stockholders' equity, and cash flows for
the years then ended, filed with the SEC on September 28, 2000.

      (b) The Form 10-Q report filed by the  Registrant  for the fiscal  quarter
ended  September  30,  2000,  December  31,  2000 and March 31,  2001  (File No.
000-27951),  filed with the SEC on November 14, 2000,  February 14, 2001 and May
15, 2001, respectively.

      (c) The  description  of   the  Registrant's  Common  Stock  contained  in
Registrant's  Form 8-A (File No.  000-27951),  as filed with the SEC pursuant to
Section 12(g) of the Securities  Exchange Act of 1934 (the "Exchange  Act"), and
rule 12b-15 promulgated thereunder,  on November 4, 1999, and declared effective
November 9, 1999 as incorporated by reference from the Company's Form SB-2 (File
No. 333-87397) declared effective on November 9, 1999.

      (d)  All documents filed by the  Registrant  pursuant to Section 13(a) and
(c),  14 or 15(d) of the  Exchange  Act after the date  hereof  and prior to the
filing of a  post-effective  amendment  which  deregisters  all securities  then
remaining unsold.

       ANY STATEMENT CONTAINED IN THIS REGISTRATION  STATEMENT, OR IN A DOCUMENT
INCORPORATED OR DEEMED TO BE INCORPORATED BY REFERENCE  HEREIN,  SHALL BE DEEMED
TO BE MODIFIED OR SUPERSEDED FOR PURPOSES OF THIS REGISTRATION  STATEMENT TO THE
EXTENT THAT A STATEMENT  CONTAINED  HEREIN, OR IN ANY OTHER  SUBSEQUENTLY  FILED
DOCUMENT WHICH ALSO IS  INCORPORATED  OR DEEMED TO BE  INCORPORATED BY REFERENCE
HEREIN, MODIFIES OR SUPERSEDES SUCH STATEMENT. ANY SUCH STATEMENT SO MODIFIED OR
SUPERSEDED  SHALL  NOT BE  DEEMED,  EXCEPT  AS SO  MODIFIED  OR  SUPERSEDED,  TO
CONSTITUTE A PART OF THIS REGISTRATION STATEMENT.



                                        2

<PAGE> 3



ITEM 4.  DESCRIPTION OF SECURITIES

The  Common  Stock  to be  offered  pursuant  to the  Incentive  Plan  has  been
registered  pursuant  to  Section  12(g) of the  Exchange  Act.  Accordingly,  a
description of the Common Stock is not required herein.

ITEM 5.  INTERESTS OF NAMED EXPERTS AND COUNSEL

      None.

      The validity of the common stock  offered  hereby has been passed upon for
the Registrant by the firm of Muldoon Murphy & Faucette LLP, Washington, D.C.

ITEM 6.  INDEMNIFICATION OF DIRECTORS AND OFFICERS AND PLAN ADMINISTRATOR.

Article X and XI of the Registrant's  Certificate of  Incorporation  provides as
follows:

TENTH:
-----

 A.   Each  person  who  was or is made a party or is threatened to  be  made  a
      party  to or is  otherwise  involved  in any  action,  suit or proceeding,
      whether  civil,  criminal,  administrative  or  investigative (hereinafter
      a  "proceeding"),  by  reason  of  the  fact  that  he  or she is or was a
      Director  or an  Officer of  the  Corporation  or is or was serving at the
      request of  the Corporation as a Director,  Officer,  employee or agent of
      another  corporation or of  a  partnership,  joint venture, trust or other
      enterprise,  including  service with  respect to an employee  benefit plan
      (hereinafter  an  "indemnitee"),  whether the basis of such  proceeding is
      alleged action in an official capacity as a Director, Officer, employee or
      agent or in any other  capacity  while  serving  as a  Director,  Officer,
      employee  or  agent,  shall  be  indemnified  and  held  harmless  by  the
      Corporation  to the fullest  extent  authorized  by the  Delaware  General
      Corporation  Law, as the same exists or may  hereafter be amended (but, in
      the case of any such  amendment,  only to the extent  that such  amendment
      permits the  Corporation to provide  broader  indemnification  rights than
      such law permitted the  Corporation  to provide prior to such  amendment),
      against  all  expense,  liability  and loss  (including  attorneys'  fees,
      judgments,  fines,  ERISA excise  taxes or  penalties  and amounts paid in
      settlement)   reasonably  incurred  or  suffered  by  such  indemnitee  in
      connection  therewith;  provided,  however,  that,  except as  provided in
      Section  C hereof  with  respect  to  proceedings  to  enforce  rights  to
      indemnification,  the  Corporation  shall indemnify any such indemnitee in
      connection  with  a  proceeding  (or  part  thereof)   initiated  by  such
      indemnitee only if such proceeding (or part thereof) was authorized by the
      Board of Directors of the Corporation.

B.    The  right  to  indemnification  conferred  in  Section A of this  Article
      TENTH shall include the right to be paid by the  Corporation  the expenses
      incurred  in  defending  any  such  proceeding  in  advance  of its  final
      disposition (hereinafter an "advancement of expenses"); provided, however,
      that, if the Delaware General Corporation Law requires,  an advancement of
      expenses incurred by an indemnitee in his or her capacity as a Director or
      Officer (and not in any other capacity in which service was or is rendered
      by such indemnitee, including, without limitation, services to an employee
      benefit  plan) shall be made only upon delivery to the  Corporation  of an
      undertaking  (hereinafter  an  "undertaking"),  by or on  behalf  of  such
      indemnitee,  to repay all amounts so advanced  if it shall  ultimately  be
      determined by final judicial decision from which there is no further right
      to appeal (hereinafter a "final adjudication") that such indemnitee is not
      entitled  to be  indemnified  for such  expenses  under  this  Section  or
      otherwise.  The  rights  to  indemnification  and  to the  advancement  of
      expenses conferred in



                                        3

<PAGE> 4



      Sections A and B of this Article  TENTH shall be contract  rights and such
      rights shall continue as to an indemnitee who has ceased to be a Director,
      Officer,  employee  or  agent  and  shall  inure  to  the  benefit  of the
      indemnitee's heirs, executors and administrators.

C.    If a claim under  Section A or B of this Article TENTH is not paid in full
      by the  Corporation  within  sixty  days  after a  written  claim has been
      received  by  the  Corporation,  except  in the  case  of a  claim  for an
      advancement  of  expenses,  in which case the  applicable  period shall be
      twenty days, the indemnitee may at any time thereafter  bring suit against
      the  Corporation to recover the unpaid amount of the claim.  If successful
      in  whole  or in  part  in any  such  suit,  or in a suit  brought  by the
      Corporation to recover an advancement of expenses pursuant to the terms of
      an  undertaking,  the  indemnitee  shall be  entitled  to be paid also the
      expenses of prosecuting or defending such suit. In (i) any suit brought by
      the indemnitee to enforce a right to indemnification hereunder (but not in
      a suit brought by the  indemnitee to enforce a right to an  advancement of
      expenses)  it  shall  be a  defense  that,  and  (ii)  in any  suit by the
      Corporation to recover an advancement of expenses pursuant to the terms of
      an undertaking the Corporation  shall be entitled to recover such expenses
      upon a final  adjudication that, the indemnitee has not met any applicable
      standard for indemnification set forth in the Delaware General Corporation
      Law.  Neither  the  failure  of the  Corporation  (including  its Board of
      Directors,  independent legal counsel, or its stockholders) to have made a
      determination prior to the commencement of such suit that  indemnification
      of the  indemnitee is proper in the  circumstances  because the indemnitee
      has met the  applicable  standard  of  conduct  set forth in the  Delaware
      General  Corporation  Law, nor an actual  determination by the Corporation
      (including  its Board of  Directors,  independent  legal  counsel,  or its
      stockholders) that the indemnitee has not met such applicable  standard of
      conduct,  shall create a presumption  that the  indemnitee has not met the
      applicable  standard of conduct or, in the case of such a suit  brought by
      the  indemnitee,  be a defense  to such suit.  In any suit  brought by the
      indemnitee to enforce a right to  indemnification  or to an advancement of
      expenses  hereunder,  or by the  Corporation  to recover an advancement of
      expenses  pursuant to the terms of an  undertaking,  the burden of proving
      that  the  indemnitee  is  not  entitled  to be  indemnified,  or to  such
      advancement of expenses, under this Article TENTH or otherwise shall be on
      the Corporation.


D.    The rights to indemnification and to the advancement of expenses conferred
      in this Article  TENTH shall not be exclusive of any other right which any
      person may have or hereafter acquire under any statute,  the Corporation's
      Certificate of Incorporation,  Bylaws,  agreement, vote of stockholders or
      Disinterested Directors or otherwise.

E.    The Corporation may maintain insurance,  at its expense, to protect itself
      and any  Director,  Officer,  employee  or  agent  of the  Corporation  or
      subsidiary  or  Affiliate  or  another  corporation,   partnership,  joint
      venture, trust or other enterprise against any expense, liability or loss,
      whether  or not the  Corporation  would have the power to  indemnify  such
      person against such expense,  liability or loss under the Delaware General
      Corporation Law.

F.    The  Corporation  may, to the extent  authorized  from time to time by the
      Board of Directors, grant rights to indemnification and to the advancement
      of expenses to any  employee  or agent of the  Corporation  to the fullest
      extent  of the  provisions  of this  Article  TENTH  with  respect  to the
      indemnification  and  advancement of expenses of Directors and Officers of
      the Corporation.




                                        4

<PAGE> 5



ELEVENTH:  A Director of this Corporation  shall not be personally liable to the
--------
Corporation  or its  stockholders  for monetary  damages for breach of fiduciary
duty as a Director,  except for liability:  (i) for any breach of the Director's
duty of  loyalty  to the  Corporation  or its  stockholders;  (ii)  for  acts or
omissions not in good faith or which involve intentional misconduct or a knowing
violation of law;  (iii) under Section 174 of the Delaware  General  Corporation
Law; or (iv) for any  transaction  from which the  Director  derived an improper
personal  benefit.  If  the  Delaware  General  Corporation  Law is  amended  to
authorize   corporate  action  further  eliminating  or  limiting  the  personal
liability of  Directors,  then the  liability  of a Director of the  Corporation
shall be eliminated or limited to the fullest  extent  permitted by the Delaware
General Corporation Law, as so amended.

Any repeal or modification of the foregoing paragraph by the stockholders of the
Corporation  shall not adversely affect any right or protection of a Director of
the Corporation existing at the time of such repeal or modification.

ITEM 7.   EXEMPTION FROM REGISTRATION CLAIMED.

      Not applicable.

ITEM 8.   LIST OF EXHIBITS.

      The following  exhibits are filed with or  incorporated  by reference into
this  Registration  Statement on Form S-8  (numbering  corresponds  generally to
Exhibit Table in Item 601 of Regulation S-K):


      5       Opinion of Muldoon Murphy & Faucette LLP as to the legality of the
              Common Stock to be issued.

      10      Security Financial Bancorp, Inc. 2000 Stock-Based Incentive Plan.1

      23.0    Consent of Muldoon Murphy & Faucette LLP (contained in the opinion
              included in Exhibit 5).

      23.1    Consent of Crowe, Chizek and Company LLP









--------
1  Incorporated  herein by reference  from Appendix A to the Proxy  Statement on
Form DEF 14A (SEC No.000-27951) filed with the SEC on September 19, 2000.




                                        5

<PAGE> 6



ITEM 9.   UNDERTAKINGS

      The undersigned Registrant hereby undertakes:

      (1)   To file, during any period in which it offers or sells securities, a
            post-effective amendment to this Registration Statement to:

            (i)   Include  any  Prospectus  required  by Section 10(a)(3) of the
                  Securities Act;

            (ii)  Reflect  in  the   Prospectus   any  facts  or  events  which,
                  individually  or together,  represent a fundamental  change in
                  the information in the Registration Statement. Notwithstanding
                  the   foregoing,   any  increase  or  decrease  in  volume  of
                  securities  offered (if the total dollar  value of  securities
                  offered  would not exceed that which was  registered)  and any
                  deviation  from the low or high end of the  estimated  maximum
                  offering  range  may be  reflected  in the form of  prospectus
                  filed  with  the  SEC  pursuant  to  Rule  424(b)  if,  in the
                  aggregate,  the changes in volume and price  represent no more
                  than a 20 percent  change in the  maximum  aggregate  offering
                  price set forth in the "Calculation of Registration Fee" table
                  in the effective registration statement; and

            (iii) Include any additional or changed material  information on the
                  plan  of   distribution   not  previously   disclosed  in  the
                  Registration   Statement  or  any  material   change  to  such
                  information   in  the   Registration   Statement   unless  the
                  information  required by (i) and (ii) is contained in periodic
                  reports  filed by the  Registrant  pursuant  to  Section 13 or
                  15(d) of the Exchange Act that are  incorporated  by reference
                  into this Registration Statement;

      (2)   For  determining  liability  under the Securities Act, to treat each
            post-effective  amendment  as a new  Registration  Statement  of the
            securities offered,  and the offering of the securities at that time
            to be the initial bona fide offering thereof.

      (3)   To file a post-effective  amendment to remove from  registration any
            of the securities that remain unsold at the end of the Offering.

      (4)   That, for purposes of determining any liability under the Securities
            Act,  each filing of the  Registrant's  or the Plan's  annual report
            pursuant  to  Section  13(a) or 15(d)  of the  Exchange  Act that is
            incorporated  by reference in the  Registration  Statement  shall be
            deemed to be a new Registration Statement relating to the securities
            offered  therein,  and the offering of such  securities at that time
            shall be deemed to be the initial bona fide offering thereof.

Insofar as indemnification  for liabilities  arising under the Securities Act of
1933 may be  permitted  to trustees,  officers  and  controlling  persons of the
Registrant pursuant to the foregoing  provisions,  or otherwise,  the Registrant
has been advised that in the opinion of the SEC such  indemnification is against
public policy as expressed in the Act and is, therefore,  unenforceable.  In the
event that a claim for indemnification  against such liabilities (other than the
payment by the Registrant of expenses incurred or paid by a trustee,  officer or
controlling  person of the Registrant in the  successful  defense of any action,
suit or proceeding) is asserted by such trustee,  officer or controlling  person
in connection with the securities being registered,  the Registrant will, unless
in the  opinion  of its  counsel  the matter  has been  settled  by  controlling
precedent,  submit to a court of appropriate  jurisdiction  the question whether
such  indemnification by it is against public policy as expressed in the Act and
will be governed by the final adjudication of such issue.




                                        6

<PAGE> 7




                                   SIGNATURES

      Pursuant to the requirements of the Securities Act of 1933, the registrant
has duly caused this  registration  statement  to be signed on its behalf by the
undersigned,  thereunto  duly  authorized,  in the  City of St.  John,  State of
Indiana, on August 14, 2001.


                                      SECURITY FINANCIAL BANCORP, INC.


                                      By: /s/ John P. Hyland
                                          -------------------------
                                      John P. Hyland
                                      President, Chief Executive
                                      Officer and Director


      Pursuant  to  the  requirements  of  the  Securities  Act  of  1933,  this
registration  statement  has  been  signed  by  the  following  persons  in  the
capacities and on the dates indicated.

    Name                        Title                             Date
    ----                        -----                             ----

/s/ John P. Hyland              President, Chief Executive       August 14, 2001
----------------------------    and Director
John P. Hyland                  (principal executive officer)


/s/ Patrick J. Hunt             Executive Vice President and     August 14, 2001
----------------------------    Chief Financial Officer
Patrick J. Hunt                 (principal accounting and
                                financial officer)


/s/ Mary Beth Bonaventura       Chairman of the Board            August 14, 2001
----------------------------
Mary Beth Bonaventura


/s/ Lawrence R. Parducci        Director                         August 14, 2001
----------------------------    and Corporate Secretary
Lawrence R. Parducci


/s/ Howard O. Cyrus, Sr.        Director                         August 14, 2001
----------------------------
Howard O. Cyrus, Sr.


/s/ Dr. Peter Ferrini           Director                         August 14, 2001
----------------------------
Dr. Peter Ferrini


/s/ Tula Kavadias               Director                         August 14, 2001
----------------------------
Tula Kavadias


/s/ Richard J. Lashley          Director                         August 14, 2001
----------------------------
Richard J. Lashley




                                        7

<PAGE> 8



/s/ Robert L. Lauer             Director                         August 14, 2001
---------------------------
Robert L. Lauer



/s/ John Wm. Palmer             Director                         August 14, 2001
---------------------------
John Wm. Palmer


/s/ Philip T. Rueth             Director                         August 14, 2001
---------------------------
Philip T. Rueth


/s/ Robert A. Vellutini         Director                         August 14, 2001
---------------------------
Robert A. Vellutini





                                        8

<PAGE> 9



                                  EXHIBIT INDEX
                                  -------------
<TABLE>
<CAPTION>


                                                                               Sequentially
                                                                                 Numbered
                                                                                   Page
Exhibit No.     Description                    Method of Filing                  Location
-----------     ---------------------------    ------------------------        ------------
   <S>       <C>                               <C>                                  <C>
    5        Opinion of Muldoon Murphy &       Filed herewith.
             Faucette LLP                                                           11

   10        Security Financial Bancorp,Inc.   Incorporated by reference from       --
             2000 Stock-Based Incentive        Appendix A to the Proxy
             Program                           Statement on Form DEF 14A
                                               (SEC No. 000-27951) filed with
                                               SEC on September 9, 2000.

  23.0      Consent of Muldoon Murphy &        Contained in Exhibit 5.              11
            Faucette LLP

  23.1      Accountants Consent                Filed herewith.                      13

   24       Power of Attorney                  Located on the signature page.        7


</TABLE>









                                                 9
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{"company-data": {"conformed-name": "SECURITY FINANCIAL BANCORP INC", "cik": "0001094635", "assigned-sic": "6021", "irs-number": "352085053", "state-of-incorporation": "DE", "fiscal-year-end": "0630"}, "filing-values": {"form-type": "S-8", "act": "33", "file-number": "333-67496", "film-number": "1713218"}, "business-address": {"street1": "9321 WICKER AVENUE", "city": "ST JOHN", "state": "IN", "zip": "46373", "phone": "2193654344"}, "mail-address": {"street1": "9321 WICKER AVENUE", "city": "ST JOHN", "state": "IN", "zip": "46373"}}
1

     As filed with the Securities and Exchange Commission on August 14, 2001
                                                  Registration No. 333-
================================================================================

                      SECURITIES AND EXCHANGE COMMISSION
                            WASHINGTON, D.C.  20549

                                   FORM S-8
                            REGISTRATION STATEMENT
                       UNDER THE SECURITIES ACT OF 1933

                       SECURITY FINANCIAL BANCORP, INC.
 (exact name of registrant as specified in its certificate of incorporation)

      DELAWARE                                           35-2085053
(state or other jurisdiction of               (IRS Employer Identification No.)
incorporation or organization)

                              9321 WICKER AVENUE
                           ST. JOHN, INDIANA 46373
                                (219) 365-4344
             (Address, including zip code, and telephone number,
      including area code, of registrant's principal executive offices)

                       SECURITY FINANCIAL BANCORP, INC.
                       2000 STOCK-BASED INCENTIVE PLAN
                           (Full Title of the Plan)
                       --------------------------------

JOHN P. HYLAND                                  COPIES TO:
PRESIDENT AND CHIEF EXECUTIVE OFFICER           LORI M. BERESFORD, ESQUIRE
SECURITY FINANCIAL BANCORP, INC.                THOMAS P. HUTTON, ESQUIRE
9321 WICKER AVENUE                              MULDOON MURPHY & FAUCETTE LLP
ST. JOHN, INDIANA 46373                         5101 WISCONSIN AVENUE, N.W.
(219) 365-4344                                  WASHINGTON, D.C.  20016
(Name, address, including zip code, and         (202) 362-0840
telephone number, including area code, of
agent for service)

 If any of the securities being registered on this Form are to be offered on a
 delayed or continuous basis pursuant to Rule 415 under the Securities Act of
 1933, check the following box. / X /
                                 ---

=========================================================================================================
  Title of each Class of        Amount to be     Proposed Purchase   Estimated Aggregate   Registration
Securities to be Registered     Registered(1)     Price Per Share       Offering Price          Fee
---------------------------------------------------------------------------------------------------------
Common Stock                  193,846
   $.01 par Value                 Shares (2)         $17.13 (3)           $3,321,113           $830
-----------------------------------------------------------------------------------------------------------
    Common Stock                  77,538
   $.01 par Value                 Shares (4)         $18.40 (5)           $1,426,699           $357
===========================================================================================================

(1) Together with an indeterminate number of additional shares which may be necessary to adjust the number
    of shares reserved for issuance pursuant to the Security Financial Bancorp, Inc. 2000 Stock-Based
    Incentive Plan (the "Incentive Plan") as the result of a stock split, stock dividend or similar
    adjustment of the outstanding Common Stock of Security Financial Bancorp, Inc. pursuant to
    17 C.F.R. ss.230.416(a).
(2) Represents the total number of shares currently reserved or available for issuance as options pursuant
    to the Incentive Plan.
(3) Represents the weighted average price determined by the exercise price of $16.88 per share at which
    options for 161,614 shares have been granted under the Incentive Plan to date and by $18.40, the fair
    market value of the Common Stock on August 10, 2001, as determined by the closing price on the Nasdaq
    National Market reported by the Wall Street Journal, for 32,232 shares for which options have not yet
    been granted under the Incentive Plan.
(4) Represents the total number of shares currently reserved or available for issuance as restricted stock
    awards under the Incentive Plan.
(5) The market value of the Common Stock on August 10, 2001, at which the 66,834 shares have been awarded
    under the Incentive Plan and 10, 704 shares which remain available for grant.
THIS REGISTRATION STATEMENT SHALL BECOME EFFECTIVE IMMEDIATELY UPON FILING IN
ACCORDANCE WITH SECTION 8(A) OF THE SECURITIES ACT OF 1933, AS AMENDED, (THE
"SECURITIES ACT") AND 17 C.F.R. SS.230.462.

Number of Pages 14
Exhibit Index begins on Page 9
2

SECURITY FINANCIAL BANCORP, INC.

PART I     INFORMATION REQUIRED IN THE SECTION 10(A) PROSPECTUS

Items 1 & 2. The document  containing  the  information  for Security  Financial
Bancorp,  Inc. 2000 Stock-Based  Incentive Plan (the " Incentive Plan") required
by  Part  I of  the  Registration  Statement  will  be  sent  or  given  to  the
participants in the Incentive Plan as specified by Rule 428(b)(1).  The document
is not filed with the Securities and Exchange Commission (the "SEC") either as a
part of this Registration  Statement or as a prospectus or prospectus supplement
pursuant to Rule 424 in reliance on Rule 428.

PART II    INFORMATION REQUIRED IN THE REGISTRATION STATEMENT

Item 3. Incorporation of Certain Documents by Reference

The following  documents  filed or to be filed with the SEC are  incorporated by
reference in this Registration Statement:

      (a) The Form 10-KSB, Annual Report, filed by the Registrant for the fiscal
year ended June 30, 2000, (File No. 000-27951),  which includes the consolidated
statements of financial  condition of Security Financial  Bancorp,  Inc. and its
wholly  owned  subsidiary  as  of  June  30,  2000  and  1999  and  the  related
consolidated statements of operations,  stockholders' equity, and cash flows for
the years then ended, filed with the SEC on September 28, 2000.

      (b) The Form 10-Q report filed by the  Registrant  for the fiscal  quarter
ended  September  30,  2000,  December  31,  2000 and March 31,  2001  (File No.
000-27951),  filed with the SEC on November 14, 2000,  February 14, 2001 and May
15, 2001, respectively.

      (c) The  description  of   the  Registrant's  Common  Stock  contained  in
Registrant's  Form 8-A (File No.  000-27951),  as filed with the SEC pursuant to
Section 12(g) of the Securities  Exchange Act of 1934 (the "Exchange  Act"), and
rule 12b-15 promulgated thereunder,  on November 4, 1999, and declared effective
November 9, 1999 as incorporated by reference from the Company's Form SB-2 (File
No. 333-87397) declared effective on November 9, 1999.

      (d)  All documents filed by the  Registrant  pursuant to Section 13(a) and
(c),  14 or 15(d) of the  Exchange  Act after the date  hereof  and prior to the
filing of a  post-effective  amendment  which  deregisters  all securities  then
remaining unsold.

       ANY STATEMENT CONTAINED IN THIS REGISTRATION  STATEMENT, OR IN A DOCUMENT
INCORPORATED OR DEEMED TO BE INCORPORATED BY REFERENCE  HEREIN,  SHALL BE DEEMED
TO BE MODIFIED OR SUPERSEDED FOR PURPOSES OF THIS REGISTRATION  STATEMENT TO THE
EXTENT THAT A STATEMENT  CONTAINED  HEREIN, OR IN ANY OTHER  SUBSEQUENTLY  FILED
DOCUMENT WHICH ALSO IS  INCORPORATED  OR DEEMED TO BE  INCORPORATED BY REFERENCE
HEREIN, MODIFIES OR SUPERSEDES SUCH STATEMENT. ANY SUCH STATEMENT SO MODIFIED OR
SUPERSEDED  SHALL  NOT BE  DEEMED,  EXCEPT  AS SO  MODIFIED  OR  SUPERSEDED,  TO
CONSTITUTE A PART OF THIS REGISTRATION STATEMENT.

                                        2
3

ITEM 4.  DESCRIPTION OF SECURITIES

The  Common  Stock  to be  offered  pursuant  to the  Incentive  Plan  has  been
registered  pursuant  to  Section  12(g) of the  Exchange  Act.  Accordingly,  a
description of the Common Stock is not required herein.

ITEM 5.  INTERESTS OF NAMED EXPERTS AND COUNSEL

      None.

      The validity of the common stock  offered  hereby has been passed upon for
the Registrant by the firm of Muldoon Murphy & Faucette LLP, Washington, D.C.

ITEM 6.  INDEMNIFICATION OF DIRECTORS AND OFFICERS AND PLAN ADMINISTRATOR.

Article X and XI of the Registrant's  Certificate of  Incorporation  provides as
follows:

TENTH:
-----

 A.   Each  person  who  was or is made a party or is threatened to  be  made  a
      party  to or is  otherwise  involved  in any  action,  suit or proceeding,
      whether  civil,  criminal,  administrative  or  investigative (hereinafter
      a  "proceeding"),  by  reason  of  the  fact  that  he  or she is or was a
      Director  or an  Officer of  the  Corporation  or is or was serving at the
      request of  the Corporation as a Director,  Officer,  employee or agent of
      another  corporation or of  a  partnership,  joint venture, trust or other
      enterprise,  including  service with  respect to an employee  benefit plan
      (hereinafter  an  "indemnitee"),  whether the basis of such  proceeding is
      alleged action in an official capacity as a Director, Officer, employee or
      agent or in any other  capacity  while  serving  as a  Director,  Officer,
      employee  or  agent,  shall  be  indemnified  and  held  harmless  by  the
      Corporation  to the fullest  extent  authorized  by the  Delaware  General
      Corporation  Law, as the same exists or may  hereafter be amended (but, in
      the case of any such  amendment,  only to the extent  that such  amendment
      permits the  Corporation to provide  broader  indemnification  rights than
      such law permitted the  Corporation  to provide prior to such  amendment),
      against  all  expense,  liability  and loss  (including  attorneys'  fees,
      judgments,  fines,  ERISA excise  taxes or  penalties  and amounts paid in
      settlement)   reasonably  incurred  or  suffered  by  such  indemnitee  in
      connection  therewith;  provided,  however,  that,  except as  provided in
      Section  C hereof  with  respect  to  proceedings  to  enforce  rights  to
      indemnification,  the  Corporation  shall indemnify any such indemnitee in
      connection  with  a  proceeding  (or  part  thereof)   initiated  by  such
      indemnitee only if such proceeding (or part thereof) was authorized by the
      Board of Directors of the Corporation.

B.    The  right  to  indemnification  conferred  in  Section A of this  Article
      TENTH shall include the right to be paid by the  Corporation  the expenses
      incurred  in  defending  any  such  proceeding  in  advance  of its  final
      disposition (hereinafter an "advancement of expenses"); provided, however,
      that, if the Delaware General Corporation Law requires,  an advancement of
      expenses incurred by an indemnitee in his or her capacity as a Director or
      Officer (and not in any other capacity in which service was or is rendered
      by such indemnitee, including, without limitation, services to an employee
      benefit  plan) shall be made only upon delivery to the  Corporation  of an
      undertaking  (hereinafter  an  "undertaking"),  by or on  behalf  of  such
      indemnitee,  to repay all amounts so advanced  if it shall  ultimately  be
      determined by final judicial decision from which there is no further right
      to appeal (hereinafter a "final adjudication") that such indemnitee is not
      entitled  to be  indemnified  for such  expenses  under  this  Section  or
      otherwise.  The  rights  to  indemnification  and  to the  advancement  of
      expenses conferred in

                                        3
4

      Sections A and B of this Article  TENTH shall be contract  rights and such
      rights shall continue as to an indemnitee who has ceased to be a Director,
      Officer,  employee  or  agent  and  shall  inure  to  the  benefit  of the
      indemnitee's heirs, executors and administrators.

C.    If a claim under  Section A or B of this Article TENTH is not paid in full
      by the  Corporation  within  sixty  days  after a  written  claim has been
      received  by  the  Corporation,  except  in the  case  of a  claim  for an
      advancement  of  expenses,  in which case the  applicable  period shall be
      twenty days, the indemnitee may at any time thereafter  bring suit against
      the  Corporation to recover the unpaid amount of the claim.  If successful
      in  whole  or in  part  in any  such  suit,  or in a suit  brought  by the
      Corporation to recover an advancement of expenses pursuant to the terms of
      an  undertaking,  the  indemnitee  shall be  entitled  to be paid also the
      expenses of prosecuting or defending such suit. In (i) any suit brought by
      the indemnitee to enforce a right to indemnification hereunder (but not in
      a suit brought by the  indemnitee to enforce a right to an  advancement of
      expenses)  it  shall  be a  defense  that,  and  (ii)  in any  suit by the
      Corporation to recover an advancement of expenses pursuant to the terms of
      an undertaking the Corporation  shall be entitled to recover such expenses
      upon a final  adjudication that, the indemnitee has not met any applicable
      standard for indemnification set forth in the Delaware General Corporation
      Law.  Neither  the  failure  of the  Corporation  (including  its Board of
      Directors,  independent legal counsel, or its stockholders) to have made a
      determination prior to the commencement of such suit that  indemnification
      of the  indemnitee is proper in the  circumstances  because the indemnitee
      has met the  applicable  standard  of  conduct  set forth in the  Delaware
      General  Corporation  Law, nor an actual  determination by the Corporation
      (including  its Board of  Directors,  independent  legal  counsel,  or its
      stockholders) that the indemnitee has not met such applicable  standard of
      conduct,  shall create a presumption  that the  indemnitee has not met the
      applicable  standard of conduct or, in the case of such a suit  brought by
      the  indemnitee,  be a defense  to such suit.  In any suit  brought by the
      indemnitee to enforce a right to  indemnification  or to an advancement of
      expenses  hereunder,  or by the  Corporation  to recover an advancement of
      expenses  pursuant to the terms of an  undertaking,  the burden of proving
      that  the  indemnitee  is  not  entitled  to be  indemnified,  or to  such
      advancement of expenses, under this Article TENTH or otherwise shall be on
      the Corporation.

D.    The rights to indemnification and to the advancement of expenses conferred
      in this Article  TENTH shall not be exclusive of any other right which any
      person may have or hereafter acquire under any statute,  the Corporation's
      Certificate of Incorporation,  Bylaws,  agreement, vote of stockholders or
      Disinterested Directors or otherwise.

E.    The Corporation may maintain insurance,  at its expense, to protect itself
      and any  Director,  Officer,  employee  or  agent  of the  Corporation  or
      subsidiary  or  Affiliate  or  another  corporation,   partnership,  joint
      venture, trust or other enterprise against any expense, liability or loss,
      whether  or not the  Corporation  would have the power to  indemnify  such
      person against such expense,  liability or loss under the Delaware General
      Corporation Law.

F.    The  Corporation  may, to the extent  authorized  from time to time by the
      Board of Directors, grant rights to indemnification and to the advancement
      of expenses to any  employee  or agent of the  Corporation  to the fullest
      extent  of the  provisions  of this  Article  TENTH  with  respect  to the
      indemnification  and  advancement of expenses of Directors and Officers of
      the Corporation.

                                        4
5

ELEVENTH:  A Director of this Corporation  shall not be personally liable to the
--------
Corporation  or its  stockholders  for monetary  damages for breach of fiduciary
duty as a Director,  except for liability:  (i) for any breach of the Director's
duty of  loyalty  to the  Corporation  or its  stockholders;  (ii)  for  acts or
omissions not in good faith or which involve intentional misconduct or a knowing
violation of law;  (iii) under Section 174 of the Delaware  General  Corporation
Law; or (iv) for any  transaction  from which the  Director  derived an improper
personal  benefit.  If  the  Delaware  General  Corporation  Law is  amended  to
authorize   corporate  action  further  eliminating  or  limiting  the  personal
liability of  Directors,  then the  liability  of a Director of the  Corporation
shall be eliminated or limited to the fullest  extent  permitted by the Delaware
General Corporation Law, as so amended.

Any repeal or modification of the foregoing paragraph by the stockholders of the
Corporation  shall not adversely affect any right or protection of a Director of
the Corporation existing at the time of such repeal or modification.

ITEM 7.   EXEMPTION FROM REGISTRATION CLAIMED.

      Not applicable.

ITEM 8.   LIST OF EXHIBITS.

      The following  exhibits are filed with or  incorporated  by reference into
this  Registration  Statement on Form S-8  (numbering  corresponds  generally to
Exhibit Table in Item 601 of Regulation S-K):

      5       Opinion of Muldoon Murphy & Faucette LLP as to the legality of the
              Common Stock to be issued.

      10      Security Financial Bancorp, Inc. 2000 Stock-Based Incentive Plan.1

      23.0    Consent of Muldoon Murphy & Faucette LLP (contained in the opinion
              included in Exhibit 5).

      23.1    Consent of Crowe, Chizek and Company LLP

--------
1  Incorporated  herein by reference  from Appendix A to the Proxy  Statement on
Form DEF 14A (SEC No.000-27951) filed with the SEC on September 19, 2000.

                                        5
6

ITEM 9.   UNDERTAKINGS

      The undersigned Registrant hereby undertakes:

      (1)   To file, during any period in which it offers or sells securities, a
            post-effective amendment to this Registration Statement to:

            (i)   Include  any  Prospectus  required  by Section 10(a)(3) of the
                  Securities Act;

            (ii)  Reflect  in  the   Prospectus   any  facts  or  events  which,
                  individually  or together,  represent a fundamental  change in
                  the information in the Registration Statement. Notwithstanding
                  the   foregoing,   any  increase  or  decrease  in  volume  of
                  securities  offered (if the total dollar  value of  securities
                  offered  would not exceed that which was  registered)  and any
                  deviation  from the low or high end of the  estimated  maximum
                  offering  range  may be  reflected  in the form of  prospectus
                  filed  with  the  SEC  pursuant  to  Rule  424(b)  if,  in the
                  aggregate,  the changes in volume and price  represent no more
                  than a 20 percent  change in the  maximum  aggregate  offering
                  price set forth in the "Calculation of Registration Fee" table
                  in the effective registration statement; and

            (iii) Include any additional or changed material  information on the
                  plan  of   distribution   not  previously   disclosed  in  the
                  Registration   Statement  or  any  material   change  to  such
                  information   in  the   Registration   Statement   unless  the
                  information  required by (i) and (ii) is contained in periodic
                  reports  filed by the  Registrant  pursuant  to  Section 13 or
                  15(d) of the Exchange Act that are  incorporated  by reference
                  into this Registration Statement;

      (2)   For  determining  liability  under the Securities Act, to treat each
            post-effective  amendment  as a new  Registration  Statement  of the
            securities offered,  and the offering of the securities at that time
            to be the initial bona fide offering thereof.

      (3)   To file a post-effective  amendment to remove from  registration any
            of the securities that remain unsold at the end of the Offering.

      (4)   That, for purposes of determining any liability under the Securities
            Act,  each filing of the  Registrant's  or the Plan's  annual report
            pursuant  to  Section  13(a) or 15(d)  of the  Exchange  Act that is
            incorporated  by reference in the  Registration  Statement  shall be
            deemed to be a new Registration Statement relating to the securities
            offered  therein,  and the offering of such  securities at that time
            shall be deemed to be the initial bona fide offering thereof.

Insofar as indemnification  for liabilities  arising under the Securities Act of
1933 may be  permitted  to trustees,  officers  and  controlling  persons of the
Registrant pursuant to the foregoing  provisions,  or otherwise,  the Registrant
has been advised that in the opinion of the SEC such  indemnification is against
public policy as expressed in the Act and is, therefore,  unenforceable.  In the
event that a claim for indemnification  against such liabilities (other than the
payment by the Registrant of expenses incurred or paid by a trustee,  officer or
controlling  person of the Registrant in the  successful  defense of any action,
suit or proceeding) is asserted by such trustee,  officer or controlling  person
in connection with the securities being registered,  the Registrant will, unless
in the  opinion  of its  counsel  the matter  has been  settled  by  controlling
precedent,  submit to a court of appropriate  jurisdiction  the question whether
such  indemnification by it is against public policy as expressed in the Act and
will be governed by the final adjudication of such issue.

                                        6
7

                                   SIGNATURES

      Pursuant to the requirements of the Securities Act of 1933, the registrant
has duly caused this  registration  statement  to be signed on its behalf by the
undersigned,  thereunto  duly  authorized,  in the  City of St.  John,  State of
Indiana, on August 14, 2001.

                                      SECURITY FINANCIAL BANCORP, INC.

                                      By: /s/ John P. Hyland
                                          -------------------------
                                      John P. Hyland
                                      President, Chief Executive
                                      Officer and Director

      Pursuant  to  the  requirements  of  the  Securities  Act  of  1933,  this
registration  statement  has  been  signed  by  the  following  persons  in  the
capacities and on the dates indicated.

    Name                        Title                             Date
    ----                        -----                             ----

/s/ John P. Hyland              President, Chief Executive       August 14, 2001
----------------------------    and Director
John P. Hyland                  (principal executive officer)

/s/ Patrick J. Hunt             Executive Vice President and     August 14, 2001
----------------------------    Chief Financial Officer
Patrick J. Hunt                 (principal accounting and
                                financial officer)

/s/ Mary Beth Bonaventura       Chairman of the Board            August 14, 2001
----------------------------
Mary Beth Bonaventura

/s/ Lawrence R. Parducci        Director                         August 14, 2001
----------------------------    and Corporate Secretary
Lawrence R. Parducci

/s/ Howard O. Cyrus, Sr.        Director                         August 14, 2001
----------------------------
Howard O. Cyrus, Sr.

/s/ Dr. Peter Ferrini           Director                         August 14, 2001
----------------------------
Dr. Peter Ferrini

/s/ Tula Kavadias               Director                         August 14, 2001
----------------------------
Tula Kavadias

/s/ Richard J. Lashley          Director                         August 14, 2001
----------------------------
Richard J. Lashley

                                        7
8

/s/ Robert L. Lauer             Director                         August 14, 2001
---------------------------
Robert L. Lauer

/s/ John Wm. Palmer             Director                         August 14, 2001
---------------------------
John Wm. Palmer

/s/ Philip T. Rueth             Director                         August 14, 2001
---------------------------
Philip T. Rueth

/s/ Robert A. Vellutini         Director                         August 14, 2001
---------------------------
Robert A. Vellutini

                                        8
9

                                  EXHIBIT INDEX
                                  -------------
Sequentially
                                                                                 Numbered
                                                                                   Page
Exhibit No.     Description                    Method of Filing                  Location
-----------     ---------------------------    ------------------------        ------------
5        Opinion of Muldoon Murphy &       Filed herewith.
             Faucette LLP                                                           11

   10        Security Financial Bancorp,Inc.   Incorporated by reference from       --
             2000 Stock-Based Incentive        Appendix A to the Proxy
             Program                           Statement on Form DEF 14A
                                               (SEC No. 000-27951) filed with
                                               SEC on September 9, 2000.

  23.0      Consent of Muldoon Murphy &        Contained in Exhibit 5.              11
            Faucette LLP

  23.1      Accountants Consent                Filed herewith.                      13

   24       Power of Attorney                  Located on the signature page.        7
9