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): May 19, 2009

                             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 1.01    Entry into a Material Definitive Agreement

     On May 19, 2009,  the Board of Directors of Cheviot  Financial  Corp.  (the
"Company") granted  non-statutory stock options and restricted stock awards to a
certain director of the Company,  as described below. The options and restricted
stock awards were granted pursuant to the Company's 2005  Stock-Based  Incentive
Plan (the "Stock Plan"). Each option and restricted stock award was evidenced by
an option agreement or restricted stock agreement executed concurrently with the
grant of the individual awards.

                             GRANTS OF STOCK OPTIONS

         The table below sets forth the individual grants, the exercise prices
therefor and the vesting dates of stock option grants under the Stock Plan.

  Award
Recipient                  Amount   Exercise Price            Vesting
---------                  ------   --------------            -------

Steven R. Hausfeld          4,460      $8.48          892 shares on May 19, 2010
                                                      892 shares on May 19, 2011
                                                      892 shares on May 19, 2012
                                                      892 shares on May 19, 2013
                                                      892 shares on May 19, 2014


                           GRANTS OF RESTRICTED STOCK

  Award
Recipient                           Amount                    Vesting
---------                           ------                    -------

Steven R. Hausfeld                   1,425            285 shares on May 19, 2010
                                                      285 shares on May 19, 2011
                                                      285 shares on May 19, 2012
                                                      285 shares on May 19, 2013
                                                      285 shares on May 19, 2014






                                   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: May 19, 2009                               By:/s/ Scott T. Smith
                                                    ----------------------------
                                                    Scott T. Smith
                                                    Chief Financial Officer