It’s a 1999 Homegrown. Look here. The one on the bottom, labeled as just ‘Homegrown’:
http://www.trfindley.com/flschwinn_1991_2000/1999_13.html
I’m not sure about serial numbers, but 99% of the time, Homegrowns can be dated by the paint job and frame styles. The white panel on the seat tube means ’99. It was the only year they did that. The flag decals on the top tube and downtube mean ’98 or ’99. And since it’s black, not a bass boat color, the ’99 Homegrown is the only model like that.