UNITED STATES
                       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 (Date of earliest event reported): October 23, 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
               ----------------------------------------------

               The attached  amendment  corrects  the net interest  income after
               provision  for  losses  on  loans  for  the  three  months  ended
               September 30, 2008.

               On October  23,  2008,  Cheviot  Financial  Corp.  announced  its
               earnings for the quarter ended  September 30, 2008. A copy of the
               press release dated October 23, 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)  Shell company transactions. Not Applicable.

(d)  Exhibits.

            The following Exhibit is attached as part of this report:


          99.1 Press release of Cheviot Financial Corp., dated October 23, 2008,
               announcing  the  company's  earnings  for the nine  months  ended
               September 30, 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: October 23, 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 October 23,
                     2008, announcing the company's earnings for the nine months
                     ended  September 30, 2008.