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): April 18, 2008

                             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 April 18, 2008, Cheviot Financial Corp. announced its earnings
               for the quarter ended March 31, 2008. A copy of the press release
               dated  April 18,  2008,  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 April 18,
                    2008, announcing the company's earnings for the three months
                    ended March 31, 2008.








                                   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 18,  2008                       By:   /s/ Scott T. Smith
                                                  ----------------------------
                                                     Scott T. Smith
                                                     Chief Financial Officer







                                  EXHIBIT INDEX

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

        99.1              Press release of Cheviot Financial Corp., dated April
                          18, 2008, announcing the company's earnings for the
                          three months ended March 31, 2008.