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): July 29, 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 2.02   Results of Operations and Financial Condition
            ---------------------------------------------

            On July 29, 2009, Cheviot Financial Corp. announced its earnings for
            the quarter  ended June 30, 2009. A copy of the press  release dated
            July 29,  2009,  detailing  earnings  for this period is attached as
            Exhibit 99.1 to this report.


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.

            The following Exhibit is attached as part of this report:


            99.1     Press release of Cheviot  Financial  Corp., dated July 29,
                     2009, announcing the company's  earnings for the six months
                     ended June 30, 2009.





                                   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: July 29, 2009                    By:  /s/ Scott T. Smith
                                            ---------------------------------
                                            Scott T. Smith
                                            Chief Financial Officer







                                  EXHIBIT INDEX

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

              99.1           Press release of Cheviot  Financial Corp.,  dated
                             July 29, 2009,  announcing the company's  earnings
                             for the six months ended June 30, 2009.