SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                    FORM 11-K

                                  ANNUAL REPORT
                        PURSUANT TO SECTION 15(d) OF THE
                         SECURITIES EXCHANGE ACT OF 1934

[X]  ANNUAL REPORT  PURSUANT TO SECTION 15(d) OF THE SECURITIES  EXCHANGE ACT OF
     1934 [NO FEE REQUIRED, EFFECTIVE OCTOBER 7, 1996].

For the fiscal year ended           December 31, 2008
                           ---------------------------------------------------

                                       OR

[  ] TRANSITION  REPORT  PURSUANT TO SECTION 15(d) OF THE SECURITIES  EXCHANGE
     ACT OF 1934 [NO FEE REQUIRED].

For the transition period from _______________ to  ______________________

                    Commission File Number 000-50-529

     A. Full title of the plan and the address of the plan,  if  different  from
that of the issuer named below:

               Cheviot Savings Bank 401(k) Retirement Savings Plan

     B: Name of  issuer  of the  securities  held  pursuant  to the plan and the
address of its principal executive office:

                             Cheviot Financial Corp.
                              3723 Glenmore Avenue
                               Cheviot, Ohio 45211







                              SUMMARY ANNUAL REPORT

                                       for

                    THE CHEVIOT BUILDING AND LOAN CO. 401(K)
                        RETIREMENT SAVINGS PLAN AND TRUST

This is a summary of the annual  report for The  Cheviot  Building  and Loan Co.
401(k)  Retirement  Savings  Plan  and  Trust,   (Employer   Identification  No.
31-0238110,  Plan No. 002) for period  January 1, 2008 to December 31, 2008. The
annual report has been filed with the Employee Benefits Security Administration,
as required under the Employee Retirement Income Security Act of 1974 (ERISA).

                            BASIC FINANCIAL STATEMENT

Benefits under the plan are provided by a trust  (benefits are provided in whole
from trust funds). Plan expenses were $7,000.  These expenses included $7,000 in
benefits  paid to  participants  and  beneficiaries.  A total of 66 persons were
participants  in or  beneficiaries  of the  plan  at the end of the  plan  year,
although not all of these persons had yet earned the right to receive benefits.

The  value of plan  assets,  after  subtracting  liabilities  of the  plan,  was
$3,103,715 as of December 31, 2008 compared to $3,868,886 as of January 1, 2008.
During  the plan  year the plan  experienced  a  decrease  in its net  assets of
$765,171.  This increase includes unrealized appreciation or depreciation in the
value of plan assets;  that is, the  difference  between the value of the plan's
assets at the end of the year and the value of the  assets at the  beginning  of
the year,  or the cost of assets  acquired  during the year.  The plan had total
income of $-758,171,  including  employer  contributions  of $160,275,  employee
contributions of $218,747 and earnings from investments of $-1,137,193.

                      YOUR RIGHT TO ADDDITIONAL INFORMATION

You have the right to  receive  a copy of the full  annual  report,  or any part
thereof, on request. The items listed below are included in that report:

1.   Financial information; and

2.   Information  regarding  any  common or  collective  trust in which the plan
     participates.

To obtain a copy of the full annual report,  or any part thereof,  write or call
the office of the Plan Sponsor:

                             Cheviot Financial Corp.
                              3723 Glenmore Avenue
                             Cheviot, OH 45211-4744
                   31-0238110 (Employer Identification Number)
                                  513-661-0457

The charge to cover copying costs will be $0.25 per page.

You also have the right to receive from the plan  administrator,  on request and
at no  charge,  a  statement  of the  assets  and  liabilities  of the  plan and
accompanying  notes,  or a  statement  of income  and  expenses  of the plan and
accompanying  notes,  or both.  If you request a copy of the full annual  report
from the plan administrator, these two statements and accompanying notes will be
included as part of that report.  The charge to cover  copying costs given above
does not  include a charge  for the  copying  of these  portions  of the  report
because these portions are furnished without charge.

You also have the legally  protected  right to examine the annual  report at the
main office of the plan:

                             Cheviot Financial Corp.
                              3723 Glenmore Avenue
                             Cheviot, OH 45211-4744

and at the U.S.  Department  of Labor in  Washington,  D.C., or to obtain a copy
from the U.S. Department of Labor upon payment of copying costs. Requests to the
Department should be addressed to: U.S.  Department of Labor,  Employee Benefits
Security  Administration,  Public Disclosure Room, 200 Constitution  Avenue, NW,
Suite N-1513, Washington, D.C. 20210.




                                   SIGNATURES


     The Plan.  Pursuant to the  requirements of the Securities  Exchange Act of
1934, the trustees (or other persons who  administer the employee  benefit plan)
have  duly  caused  this  annual  report  to be  signed  on  its  behalf  by the
undersigned hereunto duly authorized.


                                          CHEVIOT SAVINGS BANK 401(k) RETIREMENT
                                          SAVINGS PLAN





Date: June 19, 2009                      By:      /s/ Thomas J. Linneman
                                         Name:    Thomas J. Linneman
                                         Title:   Trustee