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): January 20, 2009

                             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 5.02  Departure of Directors or Certain  Officers;  Election of  Directors;
           Appointment  of  Certain  Officers;  Compensatory  Arrangements  of
           Certain Officers
           --------------------------------------------------------------------

          On  January  20,  2009,  the  Compensation  Committee  of the Board of
          Directors (the "Board") of Cheviot  Financial  Corp.  (the  "Company")
          extended  the  employment  agreement of its Chief  Executive  Officer,
          Thomas J.  Linneman so that the term shall be for three  years.  There
          were no material changes to the terms and conditions of the employment
          agreement.

          Also,  on January 20, 2009,  the  Compensation  Committee of the Board
          extended  the  severance   agreements  of  Jeffrey  J.  Lenzer,   Vice
          President,  Operations and Kevin M. Kappa, Vice President,  Compliance
          of the Company,  and Scott T. Smith,  Chief Financial  Officer.  There
          were no material  changes to the terms and conditions of the severance
          agreements.

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

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

(b)  Pro forma financial information. Not Applicable.

(c)  Shell Company Transactions. Not Applicable.

(d)  Exhibits. Not Applicable








                                   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: January 22, 2009                      By:     /s/ Scott T. Smith
                                                    ----------------------------
                                                    Scott T. Smith
                                                    Chief Financial Officer