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 1228, 2011

CHEVIOT FINANCIAL CORP.

(Exact Name of Registrant as Specified in Charter)

Federal	~~0-50529~~	560-~~2423750~~50529	56-2423750
(State or Other Jurisdiction of Incorporation)	(Commission File No.)	(I.R.S. Employer Identification No.)
(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)

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~~14d-42(cb))

~~Item~~[ ] Pre-commencement ~~8.01~~communications ~~Other~~pursuant ~~Events~~to Rule 13e-4(c) under the Exchange Act (17

On CFR ~~July 12, 2011, the Boards of Directors of Cheviot Mutual Holding Company (the “Mutual Holding Company”), Cheviot Financial Corp~~240. 13e-4(~~the “Company”~~c)~~, and Cheviot Savings Bank (the “Bank”~~) each unanimously adopted the Plan of Conversion and Reorganization of the Mutual Holding Company (the “Plan”) pursuant to which the Mutual Holding Company will undertake a “second-step” conversion and cease to exist. The Bank will reorganize from a two-tier mutual holding company structure to a fully public stock holding company structure. The Mutual Holding Company currently owns approximately 61.5% of the shares of common stock of the Company.

~~Pursuant~~Item to the Plan, (i) the Bank will become a wholly owned subsidiary of a to-be-formed stock corporation (“New Holding Company”), (ii) the shares of common stock of the Company held by persons other than the Mutual Holding Company (whose shares will be canceled) will be converted into shares of common stock of the New Holding Company pursuant to an exchange ratio designed to preserve the percentage ownership interests of such persons (excluding shares purchased in the stock offering described below and cash received in lieu of fractional shares), and (iii) the New Holding Company will offer and sell shares of common stock representing the ownership interest of the Mutual Holding Company in a subscription offering2. ~~The~~ 02 Results ~~Plan is subject to regulatory approval as well as the approval~~ of ~~the~~Operations ~~Mutual Holding Company’s members (depositors of the Bank)~~ and ~~the~~Financial ~~Company’s stockholders (including the approval of a majority of the Company’s outstanding shares of common stock held by persons other than the Mutual Holding Company).~~Condition

~~Shares~~On ~~not~~July ~~subscribed~~28, ~~for~~2011, inCheviot ~~the~~Financial ~~subscription~~Corp. ~~offering~~announced ~~would~~its beearnings ~~available~~ for ~~sale~~the inquarter aended ~~community~~June ~~offering and~~30, ~~if necessary, in a syndicated community offering~~2011. A ~~The~~copy ~~number and price~~ of ~~shares~~the topress berelease ~~sold~~dated inJuly ~~the~~28, ~~offering~~2011, ~~and~~detailing ~~the~~earnings ~~exchange ratio~~ for ~~current~~this ~~stockholders~~period ofis ~~the~~attached ~~Company~~as ~~will~~Exhibit be99.1 ~~based~~to onthis ~~an independent appraisal~~report.

~~The~~Item ~~foregoing summary of the Plan is not complete and is qualified in its entirety by reference to the complete text of the Plan, which is filed as Exhibit 2~~9.101 Financial toStatements ~~this Form 8-K~~ and ~~which is incorporated herein by reference.~~Exhibits

~~The~~(a) ~~Company~~Financial ~~announced~~Statements ~~the~~of ~~adoption~~businesses ofacquired. ~~the~~Not ~~Plan~~Applicable. in(b) aPro ~~press~~forma ~~release~~financial ~~dated~~information. ~~July~~Not ~~12,~~Applicable. ~~2011~~(c) Shell company transactions. A ~~copy~~Not ofApplicable. ~~the~~(d) ~~press~~Exhibits. ~~release~~The following Exhibit is ~~filed~~attached as ~~Exhibit~~part of this report: 99.1 ~~hereto~~Press release of Cheviot Financial Corp., dated July 28, 2011, announcing the company’s earnings for the three and issix ~~incorporated~~months ~~herein~~ended byJune ~~reference~~30, 2011.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits

Exhibit No. Description

2.1 Plan of Conversion and Reorganization

99.1 Press Release dated July 12, 2011

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.	~~CHEVIOT FINANCIAL CORP.~~
DATE: July 13, 2011	By:	/s/ Thomas J. Linneman
DATE: July 28, 2011	By: /s/ Scott T. Smith
		Thomas J. Linneman
	Scott T. Smith
		President and Chief Executive Officer
	Chief Financial Officer

EXHIBIT INDEX

Exhibit No. Description

Exhibit No.	Description

99.1	Press release of Cheviot Financial Corp., dated July 28, 2011, announcing the company’s earnings for the three and six months ended June 30, 2011.

2.1 Plan of Conversion and Reorganization

99.1 Press Release dated July 12, 2011

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