SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K/A
CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(D) OF
THE SECURITIES EXCHANGE ACT OF 1934
Date of Report: April 26, 2004
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Cheviot Financial Corp.
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(Exact Name of Registrant as specified in its charter)
Federal 0-50529 56-2423720
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(State or other (Commission File No.) (IRS Employer
jurisdiction of Identification
incorporation or Number)
organization)
3723 Glenmore Avenue
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Cheviot, OH 45211-4744
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(513) 661-0457
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(Address, including zip code, and telephone number
including area code of Registrant's
principal executive offices)
Not Applicable
(Former name or former address, if changed since last report)
The undersigned registrant hereby amends and restates in its entirety,
and as set forth herein, its Current Report on Form 8-K dated April 26, 2004,
previously filed with the Securities and Exchange Commission on April 26, 2004.
Specifically, the Current Report of Form 8-K has been amended to include certain
disclosures required under Item 12 of Form 8-K. No changes have been made to the
Press release attached hereto as Exhibit 99.1.
ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS.
(c) Exhibits.
EXHIBIT NO. DESCRIPTION
99.1 Press release of Cheviot Financial Corp., dated April 26, 2004,
announcing the company's earnings for the three months ended
March 31, 2004.
ITEM 12. RESULTS OF OPERATIONS AND FINANCIAL CONDITION.
On April 26, 2004, Cheviot Financial Corp. ("Cheviot Financial")
reported its quarterly results for the period ending March 31, 2004. A copy of
the press release issued by Cheviot Financial is furnished herewith as Exhibit
99 and is incorporated herein by reference.
The earnings release contains a non-GAAP financial measure of pro
forma earnings (loss) per shares excluding a one-time charge, which is not
prepared in accordance with GAAP. A reconciliation of this non-GAAP measure to
the comparable GAAP measure is included in the financial tables that are part of
the earnings release.
The non-GAAP financial measure should not be construed as being more
important that the comparable GAAP measure. It is presented because Cheviot
Financial management uses this information when evaluating the company's results
of operations and believes that this information provides the users of the
financial statements with an additional and useful comparison of the company's
current results of operations with past and future periods.
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: April 27, 2004 By: /s/ Scott T. Smith
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Scott T. Smith
Chief Financial Officer
EXHIBIT INDEX
EXHIBIT NO. DESCRIPTION
99.1 Press release of Cheviot Financial Corp., dated April 26, 2004,
announcing the company's earnings for the three months ended
March 31, 2004.