UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT

                       PURSUANT TO SECTION 13 OR 15(D) OF
                       THE SECURITIES EXCHANGE ACT OF 1934

      Date of Report (Date of earliest event reported): September 13, 2006

                             CHEVIOT FINANCIAL CORP.
                             ------------------------
               (Exact Name of Registrant as Specified in Charter)

            Federal                    0-50529                   56-2423750
-----------------------------      ----------------          -------------------
(State or Other Jurisdiction)     (Commission File No.)        (I.R.S. Employer
      of Incorporation)                                      Identification No.)


3723 Glenmore Avenue, Cheviot, Ohio                                  45211
------------------------------------                              ------------
(Address of Principal Executive Offices)                           (Zip Code)

Registrant's telephone number, including area code:  (513) 661-0457
                                                     --------------



                                 Not Applicable
                                 -------------
          (Former name or former address, if changed since last report)


Check  the  appropriate  box  below  if the  Form  8-K  filing  is  intended  to
simultaneously  satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

[  ] Written communications  pursuant to Rule 425 under the Securities Act (17
     CFR 230.425)

[  ] Soliciting  material  pursuant to Rule 14a-12 under the Exchange Act (17
     CFR 240.14a-12)

[  ] Pre-commencement  communications  pursuant  to Rule  14d-2(b)  under the
     Exchange Act (17 CFR 240.14d-2(b))

[  ] Pre-commencement  communications  pursuant  to Rule  13e-4(c)  under the
     Exchange Act (17 CFR 240.13e-4(c))






Item 8.01   Other Events.
            -------------

On  September  13,  2006,  the Board of  Directors  of Cheviot  Financial  Corp.
authorized the Company to undertake a stock repurchase program providing for the
repurchase of up to 471,140 shares.


Item 9.01  Financial Statements and Exhibits
           --------------------------------

(a)  Financial Statements of businesses acquired. Not Applicable.

(b)  Pro forma financial information. Not Applicable.

(c)  Exhibits.

     The following Exhibit is attached as part of this report:


     99.1    Press  release  of  dated  September 13, 2006,  announcing  Cheviot
             Financial Corp. addition to repurchase program.








                                   SIGNATURES

     Pursuant to the  requirements  of the Securities  Exchange Act of 1934, the
registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned, hereunto duly authorized.

                                                     CHEVIOT FINANCIAL CORP.



DATE: September 13, 2006                    By:      /s/ Scott T. Smith
                                                     ------------------
                                                     Scott T. Smith
                                                     Chief Financial Officer







                                  EXHIBIT INDEX

  Exhibit No.                Description
  ----------                 ------------

     Press release of dated  September 13, 2006,  announcing  Cheviot  Financial
Corp. addition to repurchase program.