UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, DC 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): ~~December~~January 1125, ~~2012~~2013

CHARTER FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)

United States	001-34889	~~001~~58-~~34889~~2659667	~~58-2659667~~
(State or Other Jurisdiction Identification No.)		(Commission File No.)	(I.R.S. Employer of Incorporation)
(State or other jurisdiction of	(Commission	(IRS Employer
incorporation or organization)	File Number)	Identification No.)
1233 O. G. Skinner Drive, West Point, Georgia		31833
(Address of principal executive offices)		(Zip Code)

1233 O. G. Skinner Drive, West Point, Georgia		31833
(Address of Principal Executive Offices)		(Zip Code)

Registrant’s telephone number, including area code: (706) 645-1391

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:

[ ] 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 82.~~01Other~~02 Results ~~Events~~of Operations and Financial Condition

On ~~November~~January 2725, ~~2012~~2013, ~~the Boards of Directors of First~~ Charter, ~~MHC (the “Mutual Holding Company”), Charter~~ Financial Corporation ~~(the “Company”)~~, ~~and~~a ~~CharterBank~~federal ~~(the~~corporation ~~“Bank”)~~and ~~each unanimously adopted~~ the ~~Plan~~holding ofcompany ~~Conversion~~for ~~and~~CharterBank, ~~Reorganization~~issued ofan ~~the~~Earnings ~~Mutual~~Release ~~Holding~~announcing ~~Company~~its ~~(the~~financial ~~“Plan”)~~results ~~pursuant~~for ~~to which~~ the ~~Mutual~~first ~~Holding~~quarter ~~Company~~ended ~~will~~December ~~undertake~~31, ~~a “second-step” conversion and cease to exist~~2012. The ~~Bank~~text ~~will~~of ~~reorganize~~the ~~from~~press arelease ~~two-tier~~is ~~mutual~~included ~~holding~~as ~~company~~Exhibit ~~structure~~99.1 to athis ~~fully~~report. ~~public~~The ~~stock~~information ~~holding~~included ~~company~~in ~~structure.~~the ~~The~~press ~~Mutual~~release ~~Holding~~text ~~Company~~is ~~currently~~considered ~~owns~~to ~~approximately~~be ~~62.85%~~"furnished" ofunder the ~~shares~~Securities ofExchange ~~common~~Act ~~stock~~ of ~~the Company~~1934.

OnItem ~~December 11, 2012, the Plan was amended to increase the overall ownership limitation of public stockholders from 5% to~~ 9.9%01 ofFinancial ~~the~~Statements ~~total shares outstanding following the completion of the Conversion~~ and ~~Offering. The Amended and Restated Plan is filed as Exhibit 2.1 to this Form 8-K, which is incorporated herein by reference in its entirety.~~Exhibits

On(d) December 14, 2012, the Company announced that Charter Financial Corporation, a Maryland corporation and the proposed new holding company for the Bank, filed a registration statement with the Securities and Exchange Commission in connection with the previously announced mutual-to-stock conversion of the Mutual Holding CompanyExhibits.

~~The~~99.1 ~~Company~~Press ~~announced the filing of the registration statement in a press~~ release dated ~~December~~January 1425, ~~2012~~2013. ~~A copy of the press release is filed as Exhibit 99.1 hereto and is incorporated herein by reference.~~

Item 9.01 Financial Statements and Exhibits.

(d)Exhibits

Exhibit No.	Description
2.1	Amended and Restated Plan of Conversion and Reorganization of First Charter, MHC (Incorporated by reference to Exhibit 2.1 to the Registration Statement on Form S-1, filed by Charter Financial Corporation with the Securities and Exchange Commission on December 14, 2012 (File No. 333-185482).
99.1	Press Release dated December 14, 2012

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.

	CHARTER FINANCIAL CORPORATION (Registrant)
	CHARTER FINANCIAL CORPORATION
Date: December 14, 2012	By:	/s/ Curtis R. Kollar
	(Registrant)
Date: January 28, 2013	By:	/s/ Curtis R. Kollar
		Curtis R. Kollar
		Senior Vice President and Chieft Financial Officer
		Senior Vice President and Chief Financial Officer

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