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): October 29, 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 2.02  Results of Operations and Financial Condition


          On October 29, 2009,  Cheviot  Financial Corp.  announced its earnings
          for the quarter and nine month period ended September 30, 2009. A copy
          of the press release dated  October 29, 2009,  detailing  earnings for
          these periods 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 29, 2009,
             announcing the company's earnings for the third quarter and nine
             months ended September 30, 2009.







                                   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 29, 2009              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 29, 2009,  announcing the company's earnings
                            for   the   third   quarter   and  nine months ended
                            September 30, 2009.