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 9, 2007 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 5.03 Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year --------------------------------------------------- On October 9, 2007, Cheviot Financial Corp.'s Board of Directors adopted an amendment to the Company's bylaws clarifying that shares of the Company's capital stock may be evidenced by certificates or book entry. The amendment is intended to have the Company comply with Nasdaq requirements that securities listed on Nasdaq be eligible for listing on the Depository Trust Company's Direct Registration System. The amendment shall become effective upon filing with the Office of Thrift Supervision. 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: 3. Amendment to Bylaws. 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 10, 2007 By: /s/ Scott T. Smith ------------------ Scott T. Smith Chief Financial Officer EXHIBIT INDEX Exhibit No. Description ----------- ------------ 3 Amendment to Bylaws