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): April 27, 2010

                             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 5.07    Submission of Matters to a Vote of Security Holders.
             ---------------------------------------------------

     On April 27, 2010,  Cheviot Financial Corp. (the "Company") held its Annual
Meeting of  Shareholders.  At the Annual  Meeting,  shareholders  considered the
election of directors and the  ratification  of  independent  registered  public
accountants. A breakdown of the votes cast is set forth below.



                                                                                              Broker
1. The election of directors                       For                 Withheld             non-votes
                                            ------------------    ------------------    ------------------

                                                                                    
     Edward L. Kleemeier                         7,193,766              34,546               1,111,041
                                            ------------------    ------------------    ------------------
     James E. Williamson                         7,199,304              29,008               1,111,041
                                            ------------------    ------------------    ------------------


     2. The ratification of the appointment of Clark, Schaefer, Hackett & Co. as
the Company's  independent  registered  public  accountants  for the year ending
December 31, 2010.

            For               Against         Abstain         Broker non-votes
         ---------           --------        ---------        ----------------

         8,328,499            10,854             0                   0
         ---------           --------        ---------        ----------------


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. Not Applicable








                                   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: April 27, 2010                        By:      /s/ Scott T. Smith
                                                     --------------------------
                                                     Scott T. Smith
                                                     Chief Financial Officer