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 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 jurisdiction (Commission File No.) (IRS Employer
Identification No.)
3723 Glenmore Avenue, Cincinnati, Ohio 45211-4744
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(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code: (513) 661-0457
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Not Applicable
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(Former name or former address, if changed since last report)
Item 7. Financial Statements and Exhibits.
(a) Not Applicable.
(b) Not Applicable.
(c) Exhibits.
Exhibit No. Description
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99.1 Press release of Cheviot Financial Corp., dated July
26, 2004 announcing the Company's earnings for the three
months ended June 30, 2004.
Item 12. Results of Operations and Financial Condition.
On July 26, 2004, Cheviot Financial Corp. announced its earnings for
the quarter ended June 30, 2004. A copy of the press release dated July 26,
2004, detailing earnings for this period is attached as Exhibit 99.1 to this
report.
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 27, 2004 By: /s/ Scott T. Smith
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Scott T. Smith
Chief Financial Officer
EXHIBIT INDEX
Exhibit Description
99.1 Press release of Cheviot Financial Corp., dated July 26, 2004
announcing the Company's earnings for the three months ended
June 30, 2004.