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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">UNITED STATES</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SECURITIES AND EXCHANGE COMMISSION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Washington, D.C. 20549</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>FORM 8-K</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>CURRENT REPORT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Pursuant to Section 13 or 15(d) of
the Securities Exchange Act of 1934</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Date of Report (Date of earliest event reported)
August 31, 2012</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: normal 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>NAUGATUCK VALLEY FINANCIAL CORPORATION</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Exact Name of Registrant as Specified in
Its Charter)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; layout-grid-mode: line; width: 33%; text-decoration: underline">Maryland</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="text-align: center; layout-grid-mode: line; width: 30%; text-decoration: underline">000-54447</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="text-align: center; layout-grid-mode: line; width: 33%; text-decoration: underline">01-0969655</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; layout-grid-mode: line">(State or other jurisdiction of</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center; layout-grid-mode: line">(Commission</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center; layout-grid-mode: line">(IRS Employer</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; layout-grid-mode: line">incorporation)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center; layout-grid-mode: line">File Number)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center; layout-grid-mode: line">Identification No.)</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; width: 68%; text-decoration: underline">333 Church Street, Naugatuck, Connecticut</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="text-align: center; width: 30%; text-decoration: underline">06770</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="layout-grid-mode: line">(Address of principal executive offices)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center; layout-grid-mode: line">(Zip Code)</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>(203) 720-5000</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Registrant&rsquo;s telephone number, including
area code)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>Not Applicable</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Former name or former address, if changed
since last report)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">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:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Wingdings">&uml;</FONT> Written communications
pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Wingdings">&uml;</FONT> Soliciting
material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Wingdings">&uml;</FONT> Pre-commencement
communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Wingdings">&uml;</FONT>
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.75in; text-align: left"><B>Item 5.02</B></TD><TD STYLE="text-align: justify"><B><U>Departure of Directors or Certain Officers; Election
of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers</U>.</B></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-indent: -1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c)&#9;&nbsp;&nbsp;&nbsp;Effective August 31, 2012, Naugatuck Valley Financial
Corporation (the &ldquo;Company&rdquo;) and its wholly-owned subsidiary, Naugatuck Valley Savings and Loan (the &ldquo;Bank&rdquo;),
each appointed Sharon A. Blanchette and Mark S. Graveline as its Co-Interim President and Chief Executive Officer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Ms. Blanchette (age 47) is Senior Vice President
and Chief Risk Officer of the Bank and has served in this capacity since November 2011. From August 2009 to November 2011, she
served as an Assistant Director of ICS Risk Advisors, Moorestown, New Jersey, a risk management services firm. From March 2009
to July 2009, she served as Director of Internal Audit and Corporate Compliance Officer of Somerset Medical Center, Somerville,
New Jersey. From September 2007 to December 2008, she served as Vice President, Internal Audit and Control of PeoplesBank, Holyoke,
Massachusetts. There are no family relationships between Ms. Blanchette and any director or executive officer of the Company or
the Bank. There is no transaction, since the beginning of the Company&rsquo;s last fiscal year, or any currently proposed transaction,
in which the Company or the Bank was or is to be a participant and the amount involved exceeds $120,000, and in which Ms. Blanchette
had or will have a direct or indirect material interest.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Mr. Graveline (age 56) is Senior Vice President
and Chief Lending Officer of the Bank. He has served in this capacity since February 2005. There are no family relationships between
Mr. Graveline and any director or executive officer of the Company or the Bank. There is no transaction, since the beginning of
the Company&rsquo;s last fiscal year, or any currently proposed transaction, in which the Company or the Bank was or is to be a
participant and the amount involved exceeds $120,000, and in which Mr. Graveline had or will have a direct or indirect material
interest.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.75in; text-align: left"><B>Item 8.01</B></TD><TD STYLE="text-align: justify"><B><U>Other Events</U>.</B></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">On August 31, 2012, the Company and the
Bank issued a press release announcing the appointment of Ms. Blanchette and Mr. Graveline as Co-Interim President and Chief Executive
Officer of both the Company and the Bank. A copy of the press release is attached as an exhibit to this Current Report and incorporated
in this Item 8.01 by reference.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.75in; text-align: left"><B>Item 9.01</B></TD><TD STYLE="text-align: justify"><B><U>Financial Statements and Exhibits</U>.</B></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#9;(d)&#9;Exhibit 99.1 &ndash; Press Release Dated August 31,
2012</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SIGNATURES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 0.5in">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
thereunto duly authorized.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; text-indent: 0; margin-top: 0pt; margin-bottom: 6pt">&nbsp;</P>

<TABLE BORDER="0" CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD COLSPAN="2">NAUGATUCK VALLEY FINANCIAL CORPORATION</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; width: 50%">Date: August 31, 2012</TD>
    <TD STYLE="width: 4%">By:&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 46%">/s/ Lee R. Schlesinger</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-top: #000000 1px solid">Lee R. Schlesinger<BR>Senior Vice President and Chief Financial
Officer</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; text-indent: 0pt; margin-top: 0pt; margin-bottom: 6pt">&nbsp;</P>

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[{"type": "8-K", "sequence": "1", "filename": "v322859_8-k.htm", "description": "FORM 8-K", "secsgml_size_bytes": 14779}]
{"company-data": {"conformed-name": "Naugatuck Valley Financial Corp", "cik": "0001493552", "assigned-sic": "6035", "irs-number": "010969655", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-54447", "film-number": "121068835"}, "business-address": {"street1": "333 CHURCH STREET", "city": "NAUGATUCK", "state": "CT", "zip": "06770", "phone": "203 720 50000"}, "mail-address": {"street1": "333 CHURCH STREET", "city": "NAUGATUCK", "state": "CT", "zip": "06770"}}
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)
August 31, 2012
NAUGATUCK VALLEY FINANCIAL CORPORATION
(Exact Name of Registrant as Specified in
Its Charter)
Maryland
000-54447
01-0969655
(State or other jurisdiction of
(Commission
(IRS Employer
incorporation)
File Number)
Identification No.)
333 Church Street, Naugatuck, Connecticut
06770
(Address of principal executive offices)
(Zip Code)
(203) 720-5000
(Registrant's telephone number, including
area code)
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:
¨
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 5.02
Departure of Directors or Certain Officers; Election
of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers
.
(c)	   Effective August 31, 2012, Naugatuck Valley Financial
Corporation (the "Company") and its wholly-owned subsidiary, Naugatuck Valley Savings and Loan (the "Bank"),
each appointed Sharon A. Blanchette and Mark S. Graveline as its Co-Interim President and Chief Executive Officer.
Ms. Blanchette (age 47) is Senior Vice President
and Chief Risk Officer of the Bank and has served in this capacity since November 2011. From August 2009 to November 2011, she
served as an Assistant Director of ICS Risk Advisors, Moorestown, New Jersey, a risk management services firm. From March 2009
to July 2009, she served as Director of Internal Audit and Corporate Compliance Officer of Somerset Medical Center, Somerville,
New Jersey. From September 2007 to December 2008, she served as Vice President, Internal Audit and Control of PeoplesBank, Holyoke,
Massachusetts. There are no family relationships between Ms. Blanchette and any director or executive officer of the Company or
the Bank. There is no transaction, since the beginning of the Company's last fiscal year, or any currently proposed transaction,
in which the Company or the Bank was or is to be a participant and the amount involved exceeds $120,000, and in which Ms. Blanchette
had or will have a direct or indirect material interest.
Mr. Graveline (age 56) is Senior Vice President
and Chief Lending Officer of the Bank. He has served in this capacity since February 2005. There are no family relationships between
Mr. Graveline and any director or executive officer of the Company or the Bank. There is no transaction, since the beginning of
the Company's last fiscal year, or any currently proposed transaction, in which the Company or the Bank was or is to be a
participant and the amount involved exceeds $120,000, and in which Mr. Graveline had or will have a direct or indirect material
interest.
Item 8.01
Other Events
.
On August 31, 2012, the Company and the
Bank issued a press release announcing the appointment of Ms. Blanchette and Mr. Graveline as Co-Interim President and Chief Executive
Officer of both the Company and the Bank. A copy of the press release is attached as an exhibit to this Current Report and incorporated
in this Item 8.01 by reference.
Item 9.01
Financial Statements and Exhibits
.
(d)	Exhibit 99.1 – Press Release Dated August 31,
2012
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
thereunto duly authorized.
NAUGATUCK VALLEY FINANCIAL CORPORATION
Date: August 31, 2012
By:
/s/ Lee R. Schlesinger
Lee R. Schlesinger
Senior Vice President and Chief Financial
Officer