Ownership Submission
FORM 4
Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940
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(Print or Type Responses)
1. Name and Address of Reporting Person *
KOLLAR CURTIS R
   2. Issuer Name and Ticker or Trading Symbol
Charter Financial Corp [CHFN] 		5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
_____ Director _____ 10% Owner
__X__ Officer (give title below) _____ Other (specify below)
SVP and CFO
(Last)
(First)
(Middle)
1233 O.G. SKINNER DRIVE		 3. Date of Earliest Transaction (Month/Day/Year)
12/12/2014
(Street)

WEST POINT, GA 31833		 4. If Amendment, Date Original Filed(Month/Day/Year)
 6. Individual or Joint/Group Filing(Check Applicable Line)
_X_ Form filed by One Reporting Person
___ Form filed by More than One Reporting Person
(City)
(State)
(Zip)
Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1.Title of Security
(Instr. 3)		 2. Transaction Date (Month/Day/Year) 2A. Deemed Execution Date, if any (Month/Day/Year) 3. Transaction Code
(Instr. 8)		 4. Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4 and 5)		 5. Amount of Securities Beneficially Owned Following Reported Transaction(s)
(Instr. 3 and 4)		 6. Ownership Form: Direct (D) or Indirect (I)
(Instr. 4)		 7. Nature of Indirect Beneficial Ownership
(Instr. 4)
Code V Amount (A) or (D) Price
Common Stock 12/12/2014   S   100 D $ 11.19 19,927 (6) D  
Common Stock 12/12/2014   S   201 D $ 11.17 19,726 (6) D  
Common Stock 12/12/2014   S   100 D $ 11.15 19,626 (6) D  
Common Stock 12/12/2014   S   3,599 D $ 11.1743 16,027 (6) D  
Common Stock               2,037 I By Spouse's IRA
Common Stock               12,471 I By Spouse's Living Trust
Common Stock               12,806 I By IRA
Common Stock               14,898 (7) I By ESOP
Common Stock               35,309 I By 401(k)
Common Stock               1,872 (6) I By Stock Award I (2)
Common Stock               57,158 I By Stock Award II (1)

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Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security
(Instr. 3)		 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year) 3A. Deemed Execution Date, if any (Month/Day/Year) 4. Transaction Code
(Instr. 8)		 5. Number of Derivative Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4, and 5)		 6. Date Exercisable and Expiration Date
(Month/Day/Year)		 7. Title and Amount of Underlying Securities
(Instr. 3 and 4)		 8. Price of Derivative Security
(Instr. 5)		 9. Number of Derivative Securities Beneficially Owned Following Reported Transaction(s)
(Instr. 4)		 10. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 4)		 11. Nature of Indirect Beneficial Ownership
(Instr. 4)
Code V (A) (D) Date Exercisable Expiration Date Title Amount or Number of Shares
Stock Options $ 10.89             12/16/2014 12/15/2023 Common Stock 142,894 (3)   142,894 (3) D  
Stock Options $ 8.8205             01/27/2014 01/27/2019 Common Stock 39,751 (4)   39,751 (4) D  
Stock Options $ 8.179             06/22/2015 06/22/2020 Common Stock 31,178 (5)   31,178 (5) D  

Reporting Owners

Reporting Owner Name / Address Relationships
 Director  10% Owner  Officer  Other
KOLLAR CURTIS R
1233 O.G. SKINNER DRIVE
WEST POINT, GA 31833		       SVP and CFO  

Signatures

 /s/ Curtis R. Kollar   12/12/2014
**Signature of Reporting Person Date

Explanation of Responses:

* If the form is filed by more than one reporting person, see Instruction 4(b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
(1) Shares of restricted stock granted pursuant to the Charter Financial Corporation 2013 Equity Incentive Plan vest at a rate of 20% per year commencing on December 16, 2014.
(2) Shares of restricted stock granted to the reporting person pursuant to the Charter Financial Corporation 2001 Recognition and Retention Plan. Of these, 1,870 stock awards vest on June 22, 2014 and 1,872 stock awards vest on June 22, 2015.
(3) Stock Options granted pursuant to the Charter Financial Corporation 2013 Equity Incentive Plan vest at a rate of 20% per year commencing on December 16, 2014.
(4) Stock Options granted pursuant to the 2001 Charter Financial Corporation Stock Option Plan vest in five equal installments commencing on January 27, 2014.
(5) Stock Options granted pursuant to the 2001 Charter Financial Corporation Stock Option Plan, of which 12,221 options vest on each of June 22, 2015 and June 22, 2016, and 6,736 options vest on June 22, 2017.
(6) Since the reporting person's last beneficial ownership report, 1,870 shares previously held through stock awards have vested and are now owned directly.
(7) Reflects transactions not required to be reported pursuant to Section 16 of the Securities Exchange Act of 1934, as amended.

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