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 24, 2005

                             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 8.01. Other Events.

On May 24, 2005,  Gerhard Hillman, a director of Cheviot Financial Corp. advised
the Board of his intention to retire from the Board of Directors  effective June
30, 2005. Mr.  Hillman's  retirement is not due to a  disagreement  with Cheviot
Financial  Corp. Mr. Hillman is a member of the Audit and Lending  Committees of
the Board of Directors.  Mr. Hillman has indicated that his retirement is due to
personal reasons.

Item 9.01  Financial Statements and Exhibits
           ---------------------------------

(a)  Financial Statements of businesses acquired. Not Applicable.

(b)  Pro forma financial information. Not Applicable.

(c)  Exhibits.

             None.






                                   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 24, 2005                            By:      /s/ Thomas J. Linneman
                                                       -------------------------
                                                       Thomas J. Linneman
                                                       Chief Executive Officer