Registration No. 333-______

      As filed with the Securities and Exchange Commission on June 8, 2005


                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


                                    FORM S-8

                             REGISTRATION STATEMENT
                                      UNDER
                           THE SECURITIES ACT OF 1933



                             Cheviot Financial Corp.
             (Exact Name of Registrant as Specified in its Charter)

            Federal                                       56-2423720
   (State or Other Jurisdiction of          (I.R.S. Employer Identification No.)
   Incorporation or Organization)

                              3723 Glenmore Avenue
                               Cheviot, Ohio 45211
                    (Address of Principal Executive Offices)

                               Thomas J. Linneman
                              3723 Glenmore Avenue
                               Cheviot, Ohio 45211
                     (Name and Address of Agent for Service)


             Cheviot Financial Corp. 2005 Stock-Based Incentive Plan
                            (Full Title of the Plan)

                                   Copies to:

         Thomas J. Linneman                        Alan Schick, Esquire
President and Chief Executive Officer         Luse Gorman Pomerenk & Schick
      Cheviot Financial Corp.                  A Professional Corporation
        3723 Glenmore Avenue              5335 Wisconsin Ave., N.W., Suite 400
         Cheviot, Ohio 45211                     Washington, D.C.  20015
           (513) 661-0457                           (202) 274-2000
    (Name, Address and Telephone
    Number of Agent for Service)


     If any of the securities being registered on this Form are to be offered on
a delayed or continuous  basis  pursuant to Rule 415 under the Securities Act of
1933 check the following box. :


<PAGE>

<TABLE>
<CAPTION>



                         CALCULATION OF REGISTRATION FEE
===================================================================================================================
         Title of                                     Proposed               Proposed
        Securities                Amount               Maximum                Maximum               Amount of
          to be                   to be            Offering Price            Aggregate            Registration
        Registered            Registered (1)          Per Share           Offering Price               Fee
-------------------------------------------------------------------------------------------------------------------
Common stock, par value
<S>                               <C>               <C>                 <C>                       <C>
$0.01 per share
                                   347,700(2)         $11.15(3)            $3,876,855.00             $456.31
--------------------------------------------------------------------------------------------------------------------
Common stock, par value
$0.01 per share
                                  138,318(4)          $11.01(5)            $1,522,881.18             $179.24
--------------------------------------------------------------------------------------------------------------------
Common stock, par value
$0.01 per share
                                  194,408(6)          $11.01(5)            $2,140,432.08             $251.93
--------------------------------------------------------------------------------------------------------------------
                                 680,426                                   $7,540,168.26             $887.48
         Totals
====================================================================================================================
</TABLE>


--------------
(1)  Together with an  indeterminate  number of  additional  shares which may be
     necessary to adjust the number of shares reserved for issuance  pursuant to
     the Cheviot  Financial  Corp. 2005  Stock-Based  Incentive Plan (the "Stock
     Plan") as a result of a stock split,  stock dividend or similar  adjustment
     of the outstanding  common stock of Cheviot Financial Corp.  pursuant to 17
     C.F.R. Section 230.416(a).
(2)  Represents  the number of shares of common  stock  currently  reserved  for
     issuance under the Stock Plan for any stock options that have been granted.
(3)  Determined by the exercise price of options  pursuant to 17 C.F.R.  Section
     230.457(h)(1).
(4)  Represents  the number of shares of common  stock  currently  reserved  for
     issuance under the Stock Plan for any future stock option grants.
(5)  Determined  by  reference  to the fair market  value of the common stock on
     June 6, 2005, pursuant to 17 C.F.R. Section 230.457(c).
(6)  Represents  the  number of shares of common  stock  available  for award of
     restricted stock under the Stock Plan.

     This   Registration   Statement  shall  become  effective  upon  filing  in
accordance  with Section 8(a) of the  Securities  Act of 1933 and 17 C.F.R.  ss.
230.462.

PART I.

Items 1 and 2. Plan  Information  and Registrant  Information  and Employee Plan
Annual Information

     The documents  containing the  information  specified in Part I of Form S-8
have  been or will be sent or given to  participants  in the  Cheviot  Financial
Corp.  2005  Stock-Based  Incentive Plan (the "Stock Plan") as specified by Rule
428(b)(1)   promulgated  by  the  Securities   and  Exchange   Commission   (the
"Commission")  under the  Securities  Act of 1933,  as amended (the  "Securities
Act").

     Such  documents  are not being filed with the  Commission,  but  constitute
(along with the  documents  incorporated  by  reference  into this  Registration
Statement  pursuant  to Item 3 of Part II  hereof) a  prospectus  that meets the
requirements of Section 10(a) of the Securities Act.

                                       2
<Page>

PART II.

Item 3.  Incorporation of Documents by Reference

     The  following  documents  previously  or  concurrently  filed  by  Cheviot
Financial  Corp., a federal  corporation (the "Company") with the Commission are
hereby incorporated by reference in this Registration Statement:

     a) The  Company's  Annual  Report on Form 10-K for the  fiscal  year  ended
December 31, 2004 (Commission File No. 000-50529),  filed with the Commission on
March 31, 2005 pursuant to Section 13(a) of the  Securities  and Exchange Act of
1934, as amended (the "Exchange Act");

     b) All other  reports  filed by the Company  pursuant  to Section  13(a) or
15(d) of the Securities  Exchange Act of 1934 (the "Exchange Act") since the end
of the year covered by the Annual  Report on Form 10-K referred to in (a) above;
and

     c)  The  description  of  the  Company's  common  stock  contained  in  the
Registration  Statement  on Form 8-A filed with the  Commission  on December 29,
2003 (Commission File No. 000-50529).

     All  documents  subsequently  filed  by the  Company  with  the  Commission
pursuant to Sections 13(a),  13(c),  14, or 15(d) of the Exchange Act, after the
date  hereof,  and  prior to the  filing  of a  post-effective  amendment  which
indicates that all securities offered hereby have been sold or which deregisters
all securities then remaining unsold,  shall be deemed incorporated by reference
into this  Registration  Statement and to be a part thereof from the date of the
filing of such documents. Any statement contained in the documents incorporated,
or deemed to be incorporated,  by reference herein or therein shall be deemed to
be modified or superseded  for purposes of this  Registration  Statement and the
Annual  Report on Form 10-K to the extent that a statement  contained  herein or
therein or in any other  subsequently filed document which also is, or is deemed
to be,  incorporated by reference  herein or therein modifies or supersedes such
statement.  Any such  statement so modified or  superseded  shall not be deemed,
except as so modified or superseded,  to constitute a part of this  Registration
Statement and the Annual Report on Form 10-K.

     The Company shall furnish  without charge to each person to whom the Annual
Report is  delivered,  on the written or oral request of such person,  a copy of
any or all of the documents  incorporated  by reference,  other than exhibits to
such documents (unless such exhibits are specifically  incorporated by reference
to the information that is  incorporated).  Requests should be directed to James
E. Williamson,  Executive  Secretary,  Cheviot  Financial  Corp.,  3723 Glenmore
Avenue, Cheviot, Ohio 45211, telephone number (513) 661-0457.

     All  information  appearing in this  Registration  Statement and the Annual
Report on Form 10-K is qualified  in its  entirety by the detailed  information,
including financial statements,  appearing in the documents  incorporated herein
or therein by reference.

Item 4.  Description of Securities

     Not applicable.

Item 5.  Interests of Named Experts and Counsel

     None.

Item 6.  Indemnification of Directors and Officers

     Article VI of the Bylaws of Cheviot  Financial  Corp.  (the "Company") sets
forth circumstances under which directors, officers, employees and agents of the
Company  may  be  indemnified  against  liability  which  they  incur  in  their
capacities as such:

ARTICLE VI - Indemnification, Expenses and Insurance

                                       3

<Page>

     Section 1.  Indemnification.  The Company shall  indemnify its officers and
directors  to the full  extent  permitted  by the  regulations  of the OTS.  The
Company may, to such extent and in such manner as is  determined by the Board of
Directors,  but in no  event  to an  extent  greater  than is  permitted  by the
regulations  of the OTS,  indemnify  any  employees  or  agents  of the  company
permitted to be indemnified by provisions of the regulations of the OTS.

     Section 2. Expenses.  The right to  indemnification  conferred herein shall
include the right to be paid by the Company the  expenses  incurred in defending
any such proceeding in advance of its final  disposition,  to the fullest extent
authorized by the regulations of the OTS. The rights to  indemnification  and to
the advancement of expenses  conferred  herein shall be contract rights and such
rights  shall  continue  as to an  indemnitee  who has ceased to be a  director,
officer or employee  and shall inure to the benefit of the  indemnitee's  heirs,
executors and administrators.

     Section 3. Insurance. The Company may maintain insurance to the full extent
permitted by the  regulations of the OTS, at its expense,  to protect itself and
any director,  officer, employee or agent of the Company or another corporation,
partnership,  joint  venture,  trust or other  enterprise  against any  expense,
liability or loss.

Item 7.  Exemption From Registration Claimed.

     Not applicable.

Item 8.  List of Exhibits.
<TABLE>
<CAPTION>

 Regulation S-K                                                                           Reference to Prior Filing
 Exhibit Number                                                                            or Exhibit No. attached
                                                Document                                            hereto

<S>    <C>        <C>                                                                            <C>
       4          Form of Common Stock Certificate                                                    *

       5          Opinion of Luse Gorman Pomerenk & Schick, A Professional Corporation            Exhibit 5

       10         Cheviot Financial Corp. 2005 Stock-Based Incentive Plan                             **

      23.1        Consent of Luse Gorman Pomerenk & Schick, A Professional Corporation      Contained in Exhibit 5

      23.2        Consent of Grant Thornton LLP                                                  Exhibit 23.2

       24         Power of Attorney                                                      Contained on Signature Page

</TABLE>
*    Incorporated  by  reference to Exhibit 4 to the  Registration  Statement on
     Form S-1 Registration  Number  333-106663) as filed on June 30, 2003 and as
     amended on September 2, 2003,  September  30, 2003,  October 20, 2003,  and
     November 3, 2003.
**   Incorporated by reference to the Company's Proxy Statement  relating to the
     Company's  April 26, 2005 annual  meeting of  stockholders,  filed with the
     Commission on March 25, 2005.

Item 9.  Undertakings

     The undersigned Registrant hereby undertakes:

     1. To file,  during any period in which  offers or sales are being made,  a
post-effective  amendment to this Registration Statement to include any material
information with respect to the plan  distribution  not previously  disclosed in
this  Registration  Statement or any material change to such information in this
Registration Statement;

                                       4

<Page>

     2. That, for the purpose of determining  any liability under the Securities
Act of 1933,  each  such  post-effective  amendment  shall be deemed to be a new
Registration  Statement  relating to the  securities  offered  therein,  and the
offering of such  securities at that time shall be deemed to be the initial bona
fide offering thereof;

     3. To remove from  registration by means of a post-effective  amendment any
of the securities being registered which remain unsold at the termination of the
Plan;

     4. That, for purposes of determining any liability under the Securities Act
of 1933, each filing of the Registrant's annual report pursuant to Section 13(a)
or  15(d)  of the  Securities  Exchange  Act of  1934  that is  incorporated  by
reference in the Registration Statement shall be deemed to be a new Registration
Statement relating to the securities  offered therein,  and the offering of such
securities  at that time shall be deemed to be the  initial  bona fide  offering
thereof; and

     5. Insofar as indemnification  for liabilities arising under the Securities
Act of 1933 may be permitted to directors,  officers and controlling  persons of
the  Registrant  pursuant  to  the  foregoing  provisions,   or  otherwise,  the
Registrant  has been advised that in the opinion of the  Securities and Exchange
Commission such indemnification is against public policy as expressed in the Act
and is, therefore,  unenforceable. In the event that a claim for indemnification
against such  liabilities  (other than the payment by the Registrant of expenses
incurred or paid by a director,  officer or controlling person of the Registrant
in the successful defense of any action, suit or proceeding) is asserted by such
director,  officer or controlling person in connection with the securities being
registered, the Registrant will, unless in the opinion of its counsel the matter
has been  settled by  controlling  precedent,  submit to a court of  appropriate
jurisdiction the question whether such  indemnification  by it is against public
policy as expressed in the Act and will be governed by the final adjudication of
such issue.

                                       5

<PAGE>

                                   SIGNATURES

     The Registrant. Pursuant to the requirements of the Securities Act of 1933,
the Registrant certifies that it has reasonable grounds to believe that it meets
all of the  requirements  for  filing  on  Form  S-8 and has  duly  caused  this
Registration  Statement  on  Form  S-8  to  be  signed  on  its  behalf  by  the
undersigned,  thereunto duly authorized,  in the Town of Cheviot, State of Ohio,
on this 6th day of June, 2005.

                            CHEVIOT FINANCIAL CORP.


                           By: /s/ Thomas J. Linneman
                               Thomas J. Linneman
                               President and Chief Executive Officer
                               (Duly Authorized Representative)

                                POWER OF ATTORNEY

     We, the undersigned  directors and officers of Cheviot Financial Corp. (the
"Company")  hereby  severally  constitute  and appoint Thomas J. Linneman as our
true and lawful attorney and agent, to do any and all things in our names in the
capacities  indicated  below which said Thomas J. Linneman may deem necessary or
advisable to enable the Company to comply with the  Securities  Act of 1933, and
any  rules,   regulations  and  requirements  of  the  Securities  and  Exchange
Commission,  in connection with the  registration of common stock underlying the
Cheviot Financial Corp. 2005 Stock-Based Incentive Plan, including specifically,
but not  limited  to,  power  and  authority  to sign for us in our names in the
capacities indicated below the registration statement and any and all amendments
(including post-effective amendments) thereto; and we hereby approve, ratify and
confirm all that said Thomas J. Linneman  shall do or cause to be done by virtue
thereof.

     Pursuant  to  the   requirements  of  the  Securities  Act  of  1933,  this
Registration  Statement on Form S-8 has been signed by the following  persons in
the capacities and on the date indicated.

     Signatures                Title                                   Date
     ----------                -----                                   ----

/s/ Thomas J. Linneman       President, Chief Executive          June 6, 2005
--------------------------
Thomas J. Linneman          Officer and Director (Principal
                            Executive Officer)

/s/ Scott T. Smith          Chief Financial Officer              June 6, 2005
--------------------------
Scott T. Smith              (Principal Financial and
                            Accounting Officer)

/s/ Gerhard H. Hillmann     Director                             June 6, 2005
--------------------------
Gerhard H. Hillmann


/s/ Edward L. Kleemeier     Director                             June 6, 2005
--------------------------
Edward L. Kleemeier


/s/ John T. Smith           Director                             June 6, 2005
--------------------------
John T. Smith


/s/ Robert Thomas           Director                             June 6, 2005
---------------------------
Robert Thomas


/s/ James E. Williamson     Director                              June 6, 2005
---------------------------
James E. Williamson



<Page>



                                  EXHIBIT INDEX


Exhibit Number             Description

      4    Form of Common Stock Certificate*

      5    Opinion of Luse Gorman Pomerenk & Schick, A Professional Corporation

      10   Cheviot Financial Corp. 2005 Stock-Based Incentive Plan**

      23.2 Consent of Grant Thornton LLP

      24   Power of Attorney (contained in the signature page to this
           Registration Statement).
------------------
*    Incorporated  by  reference to Exhibit 4 to the  Registration  Statement on
     Form S-1  Registration  Number  333-106663)  as filed June 30,  2003 and as
     amended on September  2, 2003,  September  30,  2003,  October 20, 2003 and
     November 3, 2003.
**   Incorporated by reference to the Company's Proxy Statement  relating to the
     Company's  April 26, 2005 annual  meeting of  stockholders,  filed with the
     Commission on March 25, 2005.

<PAGE>


                                    Exhibit 5

<PAGE>

                  [LETTERHEAD OF LUSE GORMAN POMERENK & SCHICK]


(202) 274-2000

June 6, 2005

Board of Directors
Cheviot Financial Corp.
3723 Glenmore Avenue
Cheviot, Ohio 45211

        Re:      Cheviot Financial Corp.
                 Registration Statement on Form S-8

Ladies and Gentlemen:

     You have  requested  the  opinion  of this firm as to  certain  matters  in
connection with the registration of common stock, par value $0.01 per share (the
"Common Stock"),  of Cheviot  Financial Corp. (the "Company") issued pursuant to
the Cheviot Financial Corp. 2005 Stock-Based Incentive Plan (the "Plan").

     In rendering the opinion  expressed herein, we have reviewed the Charter of
the Company,  the Plan,  the Company's  Registration  Statement on Form S-8 (the
"Form S-8"),  as well as  applicable  statutes  and  regulations  governing  the
Company.  We have assumed the  authenticity,  accuracy and  completeness  of all
documents in connection with the opinion  expressed herein. We have also assumed
the legal  capacity and  genuineness  of the  signatures of persons  signing all
documents in connection with which the opinions expressed herein are rendered.

     Based on the foregoing, we are of the following opinion:

     At the time of  effectiveness  of the Form  S-8,  the  Common  Stock of the
Company,  when issued in accordance  with the terms and  conditions of the Plan,
will be legally issued, fully paid and non-assessable.

     This  opinion  has  been  prepared  solely  for the use of the  Company  in
connection  with the  preparation  and filing of the Form S-8, and should not be
used for any other purpose or relied upon by any other person  without the prior
written  consent of this firm.  We hereby  consent to the use of this opinion in
the Form S-8.

                               Very truly yours,


                              /s/ Luse Gorman Pomerenk & Schick
                                  Luse Gorman Pomerenk & Schick
                                  A Professional Corporation


<PAGE>


                                  Exhibit 23.2

<PAGE>



                          Independent Auditors Consent



              CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTANTS



     We  have  issued  our  report  dated  March  11,  2005,   accompanying  the
consolidated financial statements of Cheviot Financial Corp. (the "Corporation")
as of December  31, 2004 and 2003,  and for the year ended  December  31,  2004,
which are incorporated  within the Annual Report on Form 10-K for the year ended
December 31, 2004. We hereby consent to the  incorporation  by reference of said
report  into the  Corporation's  Form S-8 to be filed  with the  Securities  and
Exchange Commission on or about June 6, 2005.



/s/ Grant Thornton LLP
Cincinnati, Ohio
June 6, 2005
[{"type": "S-8", "sequence": "1", "filename": "forms8june2005.txt", "description": "FORM S-8", "secsgml_size_bytes": 22431}]
{"company-data": {"conformed-name": "CHEVIOT FINANCIAL CORP", "cik": "0001248124", "assigned-sic": "6021", "irs-number": "000000000", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "S-8", "act": "33", "file-number": "333-125620", "film-number": "05884635"}, "business-address": {"street1": "3723 GLENMORE AVE", "city": "CHEVIOT", "state": "OH", "zip": "45211-4711", "phone": "5136610457"}}
Registration No. 333-______

      As filed with the Securities and Exchange Commission on June 8, 2005

                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                    FORM S-8

                             REGISTRATION STATEMENT
                                      UNDER
                           THE SECURITIES ACT OF 1933

                             Cheviot Financial Corp.
             (Exact Name of Registrant as Specified in its Charter)

            Federal                                       56-2423720
   (State or Other Jurisdiction of          (I.R.S. Employer Identification No.)
   Incorporation or Organization)

                              3723 Glenmore Avenue
                               Cheviot, Ohio 45211
                    (Address of Principal Executive Offices)

                               Thomas J. Linneman
                              3723 Glenmore Avenue
                               Cheviot, Ohio 45211
                     (Name and Address of Agent for Service)

             Cheviot Financial Corp. 2005 Stock-Based Incentive Plan
                            (Full Title of the Plan)

                                   Copies to:

         Thomas J. Linneman                        Alan Schick, Esquire
President and Chief Executive Officer         Luse Gorman Pomerenk & Schick
      Cheviot Financial Corp.                  A Professional Corporation
        3723 Glenmore Avenue              5335 Wisconsin Ave., N.W., Suite 400
         Cheviot, Ohio 45211                     Washington, D.C.  20015
           (513) 661-0457                           (202) 274-2000
    (Name, Address and Telephone
    Number of Agent for Service)

     If any of the securities being registered on this Form are to be offered on
a delayed or continuous  basis  pursuant to Rule 415 under the Securities Act of
1933 check the following box. :
CALCULATION OF REGISTRATION FEE
===================================================================================================================
         Title of                                     Proposed               Proposed
        Securities                Amount               Maximum                Maximum               Amount of
          to be                   to be            Offering Price            Aggregate            Registration
        Registered            Registered (1)          Per Share           Offering Price               Fee
-------------------------------------------------------------------------------------------------------------------
Common stock, par value
$0.01 per share
                                   347,700(2)         $11.15(3)            $3,876,855.00             $456.31
--------------------------------------------------------------------------------------------------------------------
Common stock, par value
$0.01 per share
                                  138,318(4)          $11.01(5)            $1,522,881.18             $179.24
--------------------------------------------------------------------------------------------------------------------
Common stock, par value
$0.01 per share
                                  194,408(6)          $11.01(5)            $2,140,432.08             $251.93
--------------------------------------------------------------------------------------------------------------------
                                 680,426                                   $7,540,168.26             $887.48
         Totals
====================================================================================================================
--------------
(1)  Together with an  indeterminate  number of  additional  shares which may be
     necessary to adjust the number of shares reserved for issuance  pursuant to
     the Cheviot  Financial  Corp. 2005  Stock-Based  Incentive Plan (the "Stock
     Plan") as a result of a stock split,  stock dividend or similar  adjustment
     of the outstanding  common stock of Cheviot Financial Corp.  pursuant to 17
     C.F.R. Section 230.416(a).
(2)  Represents  the number of shares of common  stock  currently  reserved  for
     issuance under the Stock Plan for any stock options that have been granted.
(3)  Determined by the exercise price of options  pursuant to 17 C.F.R.  Section
     230.457(h)(1).
(4)  Represents  the number of shares of common  stock  currently  reserved  for
     issuance under the Stock Plan for any future stock option grants.
(5)  Determined  by  reference  to the fair market  value of the common stock on
     June 6, 2005, pursuant to 17 C.F.R. Section 230.457(c).
(6)  Represents  the  number of shares of common  stock  available  for award of
     restricted stock under the Stock Plan.

     This   Registration   Statement  shall  become  effective  upon  filing  in
accordance  with Section 8(a) of the  Securities  Act of 1933 and 17 C.F.R.  ss.
230.462.

PART I.

Items 1 and 2. Plan  Information  and Registrant  Information  and Employee Plan
Annual Information

     The documents  containing the  information  specified in Part I of Form S-8
have  been or will be sent or given to  participants  in the  Cheviot  Financial
Corp.  2005  Stock-Based  Incentive Plan (the "Stock Plan") as specified by Rule
428(b)(1)   promulgated  by  the  Securities   and  Exchange   Commission   (the
"Commission")  under the  Securities  Act of 1933,  as amended (the  "Securities
Act").

     Such  documents  are not being filed with the  Commission,  but  constitute
(along with the  documents  incorporated  by  reference  into this  Registration
Statement  pursuant  to Item 3 of Part II  hereof) a  prospectus  that meets the
requirements of Section 10(a) of the Securities Act.

                                       2
PART II.

Item 3.  Incorporation of Documents by Reference

     The  following  documents  previously  or  concurrently  filed  by  Cheviot
Financial  Corp., a federal  corporation (the "Company") with the Commission are
hereby incorporated by reference in this Registration Statement:

     a) The  Company's  Annual  Report on Form 10-K for the  fiscal  year  ended
December 31, 2004 (Commission File No. 000-50529),  filed with the Commission on
March 31, 2005 pursuant to Section 13(a) of the  Securities  and Exchange Act of
1934, as amended (the "Exchange Act");

     b) All other  reports  filed by the Company  pursuant  to Section  13(a) or
15(d) of the Securities  Exchange Act of 1934 (the "Exchange Act") since the end
of the year covered by the Annual  Report on Form 10-K referred to in (a) above;
and

     c)  The  description  of  the  Company's  common  stock  contained  in  the
Registration  Statement  on Form 8-A filed with the  Commission  on December 29,
2003 (Commission File No. 000-50529).

     All  documents  subsequently  filed  by the  Company  with  the  Commission
pursuant to Sections 13(a),  13(c),  14, or 15(d) of the Exchange Act, after the
date  hereof,  and  prior to the  filing  of a  post-effective  amendment  which
indicates that all securities offered hereby have been sold or which deregisters
all securities then remaining unsold,  shall be deemed incorporated by reference
into this  Registration  Statement and to be a part thereof from the date of the
filing of such documents. Any statement contained in the documents incorporated,
or deemed to be incorporated,  by reference herein or therein shall be deemed to
be modified or superseded  for purposes of this  Registration  Statement and the
Annual  Report on Form 10-K to the extent that a statement  contained  herein or
therein or in any other  subsequently filed document which also is, or is deemed
to be,  incorporated by reference  herein or therein modifies or supersedes such
statement.  Any such  statement so modified or  superseded  shall not be deemed,
except as so modified or superseded,  to constitute a part of this  Registration
Statement and the Annual Report on Form 10-K.

     The Company shall furnish  without charge to each person to whom the Annual
Report is  delivered,  on the written or oral request of such person,  a copy of
any or all of the documents  incorporated  by reference,  other than exhibits to
such documents (unless such exhibits are specifically  incorporated by reference
to the information that is  incorporated).  Requests should be directed to James
E. Williamson,  Executive  Secretary,  Cheviot  Financial  Corp.,  3723 Glenmore
Avenue, Cheviot, Ohio 45211, telephone number (513) 661-0457.

     All  information  appearing in this  Registration  Statement and the Annual
Report on Form 10-K is qualified  in its  entirety by the detailed  information,
including financial statements,  appearing in the documents  incorporated herein
or therein by reference.

Item 4.  Description of Securities

     Not applicable.

Item 5.  Interests of Named Experts and Counsel

     None.

Item 6.  Indemnification of Directors and Officers

     Article VI of the Bylaws of Cheviot  Financial  Corp.  (the "Company") sets
forth circumstances under which directors, officers, employees and agents of the
Company  may  be  indemnified  against  liability  which  they  incur  in  their
capacities as such:

ARTICLE VI - Indemnification, Expenses and Insurance

                                       3
Section 1.  Indemnification.  The Company shall  indemnify its officers and
directors  to the full  extent  permitted  by the  regulations  of the OTS.  The
Company may, to such extent and in such manner as is  determined by the Board of
Directors,  but in no  event  to an  extent  greater  than is  permitted  by the
regulations  of the OTS,  indemnify  any  employees  or  agents  of the  company
permitted to be indemnified by provisions of the regulations of the OTS.

     Section 2. Expenses.  The right to  indemnification  conferred herein shall
include the right to be paid by the Company the  expenses  incurred in defending
any such proceeding in advance of its final  disposition,  to the fullest extent
authorized by the regulations of the OTS. The rights to  indemnification  and to
the advancement of expenses  conferred  herein shall be contract rights and such
rights  shall  continue  as to an  indemnitee  who has ceased to be a  director,
officer or employee  and shall inure to the benefit of the  indemnitee's  heirs,
executors and administrators.

     Section 3. Insurance. The Company may maintain insurance to the full extent
permitted by the  regulations of the OTS, at its expense,  to protect itself and
any director,  officer, employee or agent of the Company or another corporation,
partnership,  joint  venture,  trust or other  enterprise  against any  expense,
liability or loss.

Item 7.  Exemption From Registration Claimed.

     Not applicable.

Item 8.  List of Exhibits.
Regulation S-K                                                                           Reference to Prior Filing
 Exhibit Number                                                                            or Exhibit No. attached
                                                Document                                            hereto
4          Form of Common Stock Certificate                                                    *

       5          Opinion of Luse Gorman Pomerenk & Schick, A Professional Corporation            Exhibit 5

       10         Cheviot Financial Corp. 2005 Stock-Based Incentive Plan                             **

      23.1        Consent of Luse Gorman Pomerenk & Schick, A Professional Corporation      Contained in Exhibit 5

      23.2        Consent of Grant Thornton LLP                                                  Exhibit 23.2

       24         Power of Attorney                                                      Contained on Signature Page
*    Incorporated  by  reference to Exhibit 4 to the  Registration  Statement on
     Form S-1 Registration  Number  333-106663) as filed on June 30, 2003 and as
     amended on September 2, 2003,  September  30, 2003,  October 20, 2003,  and
     November 3, 2003.
**   Incorporated by reference to the Company's Proxy Statement  relating to the
     Company's  April 26, 2005 annual  meeting of  stockholders,  filed with the
     Commission on March 25, 2005.

Item 9.  Undertakings

     The undersigned Registrant hereby undertakes:

     1. To file,  during any period in which  offers or sales are being made,  a
post-effective  amendment to this Registration Statement to include any material
information with respect to the plan  distribution  not previously  disclosed in
this  Registration  Statement or any material change to such information in this
Registration Statement;

                                       4
2. That, for the purpose of determining  any liability under the Securities
Act of 1933,  each  such  post-effective  amendment  shall be deemed to be a new
Registration  Statement  relating to the  securities  offered  therein,  and the
offering of such  securities at that time shall be deemed to be the initial bona
fide offering thereof;

     3. To remove from  registration by means of a post-effective  amendment any
of the securities being registered which remain unsold at the termination of the
Plan;

     4. That, for purposes of determining any liability under the Securities Act
of 1933, each filing of the Registrant's annual report pursuant to Section 13(a)
or  15(d)  of the  Securities  Exchange  Act of  1934  that is  incorporated  by
reference in the Registration Statement shall be deemed to be a new Registration
Statement relating to the securities  offered therein,  and the offering of such
securities  at that time shall be deemed to be the  initial  bona fide  offering
thereof; and

     5. Insofar as indemnification  for liabilities arising under the Securities
Act of 1933 may be permitted to directors,  officers and controlling  persons of
the  Registrant  pursuant  to  the  foregoing  provisions,   or  otherwise,  the
Registrant  has been advised that in the opinion of the  Securities and Exchange
Commission such indemnification is against public policy as expressed in the Act
and is, therefore,  unenforceable. In the event that a claim for indemnification
against such  liabilities  (other than the payment by the Registrant of expenses
incurred or paid by a director,  officer or controlling person of the Registrant
in the successful defense of any action, suit or proceeding) is asserted by such
director,  officer or controlling person in connection with the securities being
registered, the Registrant will, unless in the opinion of its counsel the matter
has been  settled by  controlling  precedent,  submit to a court of  appropriate
jurisdiction the question whether such  indemnification  by it is against public
policy as expressed in the Act and will be governed by the final adjudication of
such issue.

                                       5
SIGNATURES

     The Registrant. Pursuant to the requirements of the Securities Act of 1933,
the Registrant certifies that it has reasonable grounds to believe that it meets
all of the  requirements  for  filing  on  Form  S-8 and has  duly  caused  this
Registration  Statement  on  Form  S-8  to  be  signed  on  its  behalf  by  the
undersigned,  thereunto duly authorized,  in the Town of Cheviot, State of Ohio,
on this 6th day of June, 2005.

                            CHEVIOT FINANCIAL CORP.

                           By: /s/ Thomas J. Linneman
                               Thomas J. Linneman
                               President and Chief Executive Officer
                               (Duly Authorized Representative)

                                POWER OF ATTORNEY

     We, the undersigned  directors and officers of Cheviot Financial Corp. (the
"Company")  hereby  severally  constitute  and appoint Thomas J. Linneman as our
true and lawful attorney and agent, to do any and all things in our names in the
capacities  indicated  below which said Thomas J. Linneman may deem necessary or
advisable to enable the Company to comply with the  Securities  Act of 1933, and
any  rules,   regulations  and  requirements  of  the  Securities  and  Exchange
Commission,  in connection with the  registration of common stock underlying the
Cheviot Financial Corp. 2005 Stock-Based Incentive Plan, including specifically,
but not  limited  to,  power  and  authority  to sign for us in our names in the
capacities indicated below the registration statement and any and all amendments
(including post-effective amendments) thereto; and we hereby approve, ratify and
confirm all that said Thomas J. Linneman  shall do or cause to be done by virtue
thereof.

     Pursuant  to  the   requirements  of  the  Securities  Act  of  1933,  this
Registration  Statement on Form S-8 has been signed by the following  persons in
the capacities and on the date indicated.

     Signatures                Title                                   Date
     ----------                -----                                   ----

/s/ Thomas J. Linneman       President, Chief Executive          June 6, 2005
--------------------------
Thomas J. Linneman          Officer and Director (Principal
                            Executive Officer)

/s/ Scott T. Smith          Chief Financial Officer              June 6, 2005
--------------------------
Scott T. Smith              (Principal Financial and
                            Accounting Officer)

/s/ Gerhard H. Hillmann     Director                             June 6, 2005
--------------------------
Gerhard H. Hillmann

/s/ Edward L. Kleemeier     Director                             June 6, 2005
--------------------------
Edward L. Kleemeier

/s/ John T. Smith           Director                             June 6, 2005
--------------------------
John T. Smith

/s/ Robert Thomas           Director                             June 6, 2005
---------------------------
Robert Thomas

/s/ James E. Williamson     Director                              June 6, 2005
---------------------------
James E. Williamson
EXHIBIT INDEX

Exhibit Number             Description

      4    Form of Common Stock Certificate*

      5    Opinion of Luse Gorman Pomerenk & Schick, A Professional Corporation

      10   Cheviot Financial Corp. 2005 Stock-Based Incentive Plan**

      23.2 Consent of Grant Thornton LLP

      24   Power of Attorney (contained in the signature page to this
           Registration Statement).
------------------
*    Incorporated  by  reference to Exhibit 4 to the  Registration  Statement on
     Form S-1  Registration  Number  333-106663)  as filed June 30,  2003 and as
     amended on September  2, 2003,  September  30,  2003,  October 20, 2003 and
     November 3, 2003.
**   Incorporated by reference to the Company's Proxy Statement  relating to the
     Company's  April 26, 2005 annual  meeting of  stockholders,  filed with the
     Commission on March 25, 2005.
Exhibit 5
[LETTERHEAD OF LUSE GORMAN POMERENK & SCHICK]

(202) 274-2000

June 6, 2005

Board of Directors
Cheviot Financial Corp.
3723 Glenmore Avenue
Cheviot, Ohio 45211

        Re:      Cheviot Financial Corp.
                 Registration Statement on Form S-8

Ladies and Gentlemen:

     You have  requested  the  opinion  of this firm as to  certain  matters  in
connection with the registration of common stock, par value $0.01 per share (the
"Common Stock"),  of Cheviot  Financial Corp. (the "Company") issued pursuant to
the Cheviot Financial Corp. 2005 Stock-Based Incentive Plan (the "Plan").

     In rendering the opinion  expressed herein, we have reviewed the Charter of
the Company,  the Plan,  the Company's  Registration  Statement on Form S-8 (the
"Form S-8"),  as well as  applicable  statutes  and  regulations  governing  the
Company.  We have assumed the  authenticity,  accuracy and  completeness  of all
documents in connection with the opinion  expressed herein. We have also assumed
the legal  capacity and  genuineness  of the  signatures of persons  signing all
documents in connection with which the opinions expressed herein are rendered.

     Based on the foregoing, we are of the following opinion:

     At the time of  effectiveness  of the Form  S-8,  the  Common  Stock of the
Company,  when issued in accordance  with the terms and  conditions of the Plan,
will be legally issued, fully paid and non-assessable.

     This  opinion  has  been  prepared  solely  for the use of the  Company  in
connection  with the  preparation  and filing of the Form S-8, and should not be
used for any other purpose or relied upon by any other person  without the prior
written  consent of this firm.  We hereby  consent to the use of this opinion in
the Form S-8.

                               Very truly yours,

                              /s/ Luse Gorman Pomerenk & Schick
                                  Luse Gorman Pomerenk & Schick
                                  A Professional Corporation
Exhibit 23.2
Independent Auditors Consent

              CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTANTS

     We  have  issued  our  report  dated  March  11,  2005,   accompanying  the
consolidated financial statements of Cheviot Financial Corp. (the "Corporation")
as of December  31, 2004 and 2003,  and for the year ended  December  31,  2004,
which are incorporated  within the Annual Report on Form 10-K for the year ended
December 31, 2004. We hereby consent to the  incorporation  by reference of said
report  into the  Corporation's  Form S-8 to be filed  with the  Securities  and
Exchange Commission on or about June 6, 2005.

/s/ Grant Thornton LLP
Cincinnati, Ohio
June 6, 2005