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 23, 2007

                             CHEVIOT FINANCIAL CORP.
                            -------------------------
               (Exact Name of Registrant as Specified in Charter)

            Federal                        0-50529                56-2423750
-----------------------------         ----------------        ------------------
(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)

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-4(c))






Item 2.02  Results of Operations and Financial Condition
           ---------------------------------------------
           On July 23, 2007, Cheviot Financial Corp.  announced its earnings for
           the quarter ended June 30,  2007. A copy of the press  release  dated
           July 23, 2007,  detailing  earnings  for this  period is  attached as
           Exhibit 99.1 to this report.


Item 9.01  Financial Statements and Exhibits
           ---------------------------------

(a)  Financial Statements of businesses acquired. Not Applicable.

(b)  Pro forma financial information. Not Applicable.

(c)  Exhibits.

     The following Exhibit is attached as part of this report:


     99.1 Press  release  of  Cheviot  Financial  Corp.,  dated  July 23,  2007,
          announcing  the company's  earnings for the three and six months ended
          June 30, 2007.








                                   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 23, 2007                         By:     /s/ Scott T. Smith
                                                    ---------------------------
                                                     Scott T. Smith
                                                     Chief Financial Officer







                                  EXHIBIT INDEX

          Exhibit No.                          Description
          -----------                          -----------

          Press  release  of  Cheviot  Financial  Corp.,  dated  July 23,  2007,
          announcing  the company's  earnings for the three and six months ended
          June 30, 2007.