UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D. C. 20549

                                    FORM 10-Q

(Mark One)

[X]  QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE
     ACT OF 1934

For the quarterly period ended                June 30, 2005
                                -----------------------------------------

                                       OR

[ ]          TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d)
                     OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from ____________ to _______________

Commission File No. 0-50529

                             CHEVIOT FINANCIAL CORP.
--------------------------------------------------------------------------------
             (Exact name of registrant as specified in its charter)

     Federal                                          56-2423720
----------------------------------              ----------------------
(State or other jurisdiction of                   (I.R.S. Employer
incorporation or organization)                   Identification Number)

                  3723 Glenmore Avenue, Cincinnati, Ohio 45211
--------------------------------------------------------------------------------
                     (Address of principal executive office)

Registrant's telephone number, including area code: (513) 661-0457

Indicate by check mark whether the registrant (1) has filed all reports required
to be filed by  Sections  13 or 15(d)  of the  Securities  Exchange  Act of 1934
during the preceding 12 months (or for such shorter  period that the  registrant
was  required  to file such  reports)  and (2) has been  subject to such  filing
requirements for the past 90 days.

Yes [X]           No  [   ]

Indicate  by check mark  whether  the  registrant  is an  accelerated  filer (as
defined in Rule 12b-2 of the Exchange Act).

Yes [   ]         No  [X]

As of August 5,  2005,  the latest  practicable  date,  9,918,751  shares of the
registrant's common stock, $.01 par value, were issued and outstanding.


                                  Page 1 of 16
<PAGE>


                     INDEX

                                                                           Page

PART I -        FINANCIAL INFORMATION

                Consolidated Statements of Financial Condition               3

                Consolidated Statements of Earnings                          4

                Consolidated Statements of Cash Flows                        5

                Notes to Consolidated Financial Statements                   7

                Management's Discussion and Analysis of
                Financial Condition and Results of
                Operations                                                   9

                Quantitative and Qualitative Disclosures about
                Market Risk                                                 14

                Controls and Procedures                                     14

PART II  -      OTHER INFORMATION                                           15

SIGNATURES                                                                  16

                                       2

<PAGE>

                             Cheviot Financial Corp.

                 CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION

                        (In thousands, except share data)
<TABLE>
<CAPTION>

                                                                                           June 30,        December 31,
         ASSETS                                                                                2005                2004
                                                                                        (Unaudited)

<S>                                                                                      <C>                 <C>
Cash and due from banks                                                                  $    2,463          $    2,836
Federal funds sold                                                                            3,032               4,370
Interest-earning deposits in other financial institutions                                     3,209                 519
                                                                                          ---------          ----------
         Cash and cash equivalents                                                            8,704               7,725

Investment securities held to maturity - at cost, approximate market value of
  $26,803 and $26,864 at June 30, 2005
  and December 31, 2004, respectively                                                        27,080              27,102
Mortgage-backed securities available for sale - at fair value                                 1,434               1,483
Mortgage-backed securities held to maturity - at cost, approximate
  market value of $25,246 and $29,315 at June 30, 2005
  and December 31, 2004, respectively                                                        25,068              29,204
Loans receivable - net                                                                      207,838             203,842
Real estate acquired through foreclosure - net                                                   28                  90
Office premises and equipment - at depreciated cost                                           3,440               2,947
Federal Home Loan Bank stock - at cost                                                        2,977               2,909
Accrued interest receivable on loans                                                            799                 750
Accrued interest receivable on mortgage-backed securities                                        69                  80
Accrued interest receivable on investments and interest-earning deposits                        282                 219
Bank-owned life insurance                                                                     3,048                  -
Prepaid expenses and other assets                                                               202                 236
Prepaid federal income taxes                                                                    197                  -
                                                                                         ----------           ---------
         Total assets                                                                      $281,166            $276,587
                                                                                         ==========           =========

         LIABILITIES AND SHAREHOLDERS' EQUITY

Deposits                                                                                   $180,879            $179,989
Advances from the Federal Home Loan Bank                                                     20,985              16,199
Advances by borrowers for taxes and insurance                                                   390               1,014
Accounts payable and other liabilities                                                          904               1,003
Accrued federal income taxes                                                                     -                  127
Deferred federal income taxes                                                                   372                 315
                                                                                         ----------          ----------
         Total liabilities                                                                  203,530             198,647

Shareholders' equity
  Preferred stock - authorized 5,000,000 shares, $.01 par value; none issued
  Common stock - authorized 30,000,000 shares, $.01 par value;
    9,918,751 shares issued and outstanding at both
    June 30, 2005 and December 31, 2004                                                          99                  99
  Additional paid-in capital                                                                 42,786              42,746
  Retained earnings - restricted                                                             38,901              38,374
  Shares acquired by stock benefit plans                                                     (4,148)             (3,273)
  Other comprehensive income (loss), unrealized losses on securities available
    for sale, net of tax effects                                                                 (2)                 (6)
                                                                                         ----------           ---------
         Total shareholders' equity                                                          77,636              77,940
                                                                                         ----------           ---------
         Total liabilities and shareholders' equity                                        $281,166            $276,587
                                                                                         ==========           =========
</TABLE>

See accompanying notes to consolidated financial statements.
                                       3


<PAGE>
                             Cheviot Financial Corp.

                      CONSOLIDATED STATEMENTS OF OPERATIONS

                      (In thousands, except per share data)

<TABLE>
<CAPTION>

                                                                          Six months ended             Three months ended
                                                                              June 30,                      June 30,
                                                                         2005         2004              2005         2004

Interest income
<S>                                                                    <C>          <C>               <C>          <C>
  Loans                                                                $5,918       $5,444            $2,965       $2,728
  Mortgage-backed securities                                              439          367               222          192
  Investment securities                                                   457          323               239          210
  Interest-earning deposits and other                                     109          133                68           52
                                                                       ------       ------            ------      -------
         Total interest income                                          6,923        6,267             3,494        3,182

Interest expense
  Deposits                                                              1,815        1,656               949          812
  Borrowings                                                              435          220               233          115
                                                                       ------       ------            ------       ------
         Total interest expense                                         2,250        1,876             1,182          927
                                                                        -----        -----             -----       ------

         Net interest income                                            4,673        4,391             2,312        2,255

Provision for losses on loans                                              32           -                 32           -
                                                                      -------        -----           -------        -----
         Net interest income after provision for losses on loans        4,641        4,391             2,280        2,255

Other income (expense)
  Gain on sale of loans                                                     4           33                 3           -
  Loss on sale of real estate acquired through foreclosure                 (6)         (13)               -            -
  Other operating                                                         194           97               110           41
                                                                       ------      -------            ------      -------
         Total other income                                               192          117               113           41

General, administrative and other expense
  Employee compensation and benefits                                    1,763        1,604               937          799
  Occupancy and equipment                                                 226          211               110          100
  Property, payroll and other taxes                                       477          337               309          166
  Data processing                                                         115          119                56           53
  Legal and professional                                                  306          166               178           94
  Advertising                                                              88           78                44           39
  Contribution to Cheviot Savings Bank Charitable Foundation               -         1,500                -            -
  Other operating                                                         270          257               135          149
                                                                       ------       ------            ------       ------
         Total general, administrative and other expense                3,245        4,272             1,769        1,400
                                                                        -----        -----             -----        -----
         Earnings before income taxes                                   1,588          236               624          896

Federal income taxes
  Current                                                                 470          506               186          254
  Deferred                                                                 55         (168)               14           52
                                                                       ------       ------            ------       ------
         Total federal income taxes                                       525          338               200          306
                                                                       ------       ------            ------       ------
         NET EARNINGS (LOSS)                                           $1,063      $  (102)          $   424      $   590
                                                                       ======       ======            ======       ======
         EARNINGS (LOSS) PER SHARE
           Basic                                                       $  .11      $  (.01)          $   .04      $   .06
                                                                       ======       ======            ======       ======
           Diluted                                                     $  .11          N/A           $   .04          N/A
                                                                       ======                         ======
</TABLE>

See accompanying notes to consolidated financial statements.

                                       4
<PAGE>
                             Cheviot Financial Corp.

                      CONSOLIDATED STATEMENTS OF CASH FLOWS

                 For the six months ended June 30, 2005 and 2004
                                 (In thousands)
<TABLE>
<CAPTION>

                                                                                               2005                2004
Cash flows from operating activities:
<S>                                                                                        <C>                <C>
  Net earnings (loss) for the period                                                       $  1,063           $    (102)
  Adjustments to reconcile net earnings (loss) to net cash
  provided by (used in) operating activities:
    Amortization of premiums and discounts on investment
      and mortgage-backed securities, net                                                        32                  82
    Depreciation                                                                                123                 116
    Amortization of deferred loan origination (fees) costs - net                                (15)                  8
    Proceeds from sale of loans in the secondary market                                         651               1,518
    Loans originated for sale in the secondary market                                          (648)             (1,081)
    Gain on sale of loans                                                                        (4)                (33)
    Loss on sale of real estate acquired through foreclosure                                      6                  13
    Federal Home Loan Bank stock dividends                                                      (68)                (56)
    Provision for losses on loans                                                                32                  -
    Amortization of expense related to stock benefit plans                                      100                  -
    Increase (decrease) in cash due to changes in:
      Accrued interest receivable on loans                                                      (49)                (48)
      Accrued interest receivable on mortgage-backed securities                                  11                  (9)
      Accrued interest receivable on investments and interest-
        bearing deposits                                                                        (63)                (75)
      Prepaid expenses and other assets                                                          34                 792
      Accounts payable and other liabilities                                                    (99)               (113)
      Federal income taxes
        Current                                                                                (324)               (194)
        Deferred                                                                                 55                (168)
                                                                                          ---------            --------
         Net cash provided by operating activities                                              837                 650

Cash flows provided by (used in) investing activities:
  Principal repayments on loans                                                              19,661              22,906
  Loan disbursements                                                                        (23,701)            (36,485)
  Purchase of U.S. Government and agency obligations                                         (1,977)            (26,012)
  Proceeds from maturity of U.S. Government and agency obligations                            2,000              14,000
  Purchase of mortgage-backed securities                                                         -              (11,964)
  Principal repayments on mortgage-backed securities                                          4,158               2,962
  Proceeds from sale of real estate acquired through foreclosure                                 84                  33
  Purchase of office premises and equipment                                                    (616)                (44)
  Purchase of bank-owned life insurance                                                      (3,000)                 -
  Net increase in the cash surrender value of life insurance                                    (48)                 -
                                                                                          ---------             -------
         Net cash used in investing activities                                               (3,439)            (34,604)

Cash flows provided by (used in) financing activities:
  Net increase (decrease) in deposits                                                           890             (84,184)
  Proceeds from Federal Home Loan Bank advances                                               7,000               9,000
  Repayments on Federal Home Loan Bank advances                                              (2,214)             (1,116)
  Advances by borrowers for taxes and insurance                                                (624)               (581)
  Repurchase of shares for stock benefit plans                                                 (935)                 -
  Proceeds from issuance of common stock                                                         -               39,274
  Dividends paid on common stock                                                               (536)               (446)
                                                                                          ---------             -------
         Net cash provided by (used in) financing activities                                  3,581             (38,053)
                                                                                          ---------             -------
Net increase (decrease) in cash and cash equivalents                                            979             (72,007)

Cash and cash equivalents at beginning of period                                              7,725              83,776
                                                                                          ---------              ------
Cash and cash equivalents at end of period                                                 $  8,704             $11,769
                                                                                          =========              ======
</TABLE>

                                        5

<PAGE>
                             Cheviot Financial Corp.

                CONSOLIDATED STATEMENTS OF CASH FLOWS (CONTINUED)

                 For the six months ended June 30, 2005 and 2004
                                 (In thousands)

<TABLE>
<CAPTION>
                                                                                               2005                2004

Supplemental disclosure of cash flow information:
Cash paid during the period for:
<S>                                                                                         <C>                 <C>
    Federal income taxes                                                                    $   794             $   500
                                                                                            =======             =======

    Interest on deposits and borrowings                                                      $2,250             $ 1,876
                                                                                            =======             =======

Supplemental disclosure of noncash investing activities:
  Transfer of loans to real estate acquired through foreclosure                            $     28             $    -
                                                                                            =======             =======

  Recognition of mortgage servicing rights in accordance with SFAS No. 140                 $      1             $    11
                                                                                            ========            =======
</TABLE>

See accompanying notes to consolidated financial statements.

                                        6


<PAGE>
                             Cheviot Financial Corp.

                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

            For the three and six months ended June 30, 2005 and 2004

1.   Basis of Presentation
     ---------------------

     In January  2004,  Cheviot  Financial  Corp.  ("Cheviot  Financial"  or the
     "Corporation")  completed  a Plan  of  Reorganization  (the  "Plan"  or the
     "Reorganization")  pursuant to which  Cheviot  Savings  Bank (the  "Savings
     Bank")  reorganized  into a two-tier mutual holding company  structure with
     the establishment of Cheviot Financial, as parent of the Savings Bank, with
     the  Savings  Bank  converting  to stock form and  issuing  all the Savings
     Bank's  outstanding  stock to  Cheviot  Financial.  Pursuant  to the  Plan,
     Cheviot  Financial Corp.  sold 4,388,438  common shares in a minority stock
     offering, representing approximately 44% of its outstanding common stock at
     $10.00  per  share to the  Savings  Bank's  depositors  and a newly  formed
     Employee Stock  Ownership  Plan ("ESOP").  The net proceeds of the offering
     totaled  approximately  $39.3  million.  In  addition,  75,000  shares,  or
     approximately  one  percent of its  outstanding  shares,  were  issued to a
     charitable  foundation  established by Cheviot  Savings Bank. The remaining
     5,455,313  shares of  common  stock of  Cheviot  Financial  were  issued to
     Cheviot  Mutual Holding  Company,  the federally  chartered  mutual holding
     company of Cheviot Financial Corp.

     The accompanying unaudited financial statements were prepared in accordance
     with instructions for Form 10-Q and, therefore,  do not include information
     or footnotes  necessary for a complete  presentation of financial position,
     results  of  operations  and  cash  flows  in  conformity  with  accounting
     principles generally accepted in the United States of America. Accordingly,
     these consolidated  financial statements should be read in conjunction with
     the  consolidated   financial  statements  and  notes  thereto  of  Cheviot
     Financial  included  in the  Annual  Report on Form 10-K for the year ended
     December 31, 2004. However,  in the opinion of management,  all adjustments
     (consisting of only normal  recurring  accruals)  which are necessary for a
     fair  presentation  of the  consolidated  financial  statements  have  been
     included.  The results of  operations  for the three and six month  periods
     ended June 30, 2005,  are not  necessarily  indicative of the results which
     may be expected for the entire year.

2.   Principles of Consolidation
     ----------------------------

     The accompanying  consolidated financial statements as of and for the three
     and six months ended June 30, 2005, include the accounts of the Corporation
     and  its  wholly-owned  subsidiary,   the  Savings  Bank.  All  significant
     intercompany items have been eliminated.

3.   Earnings Per Share
     ------------------

     Basic earnings per share is computed based upon the weighted-average common
     shares  outstanding  during  the  period  less  shares in the ESOP that are
     unallocated  and not  committed to be released plus shares in the ESOP that
     have been  allocated.  Weighted-average  common shares  deemed  outstanding
     totaled  9,597,383 for the three and six month periods ended June 30, 2005,
     which gives effect to 321,368  unallocated ESOP shares and 35,707 allocated
     ESOP   shares.   For  the  three  and  six  months  ended  June  30,  2004,
     weighted-average  shares deemed outstanding totaled 9,561,676,  which gives
     effect to 357,075 unallocated ESOP shares.

     Diluted  earnings per share is computed  taking into  consideration  common
     shares  outstanding and dilutive  potential common share  equivalents.  The
     Corporation had no dilutive or potentially  dilutive  securities during the
     three and six month periods ended June 30, 2004. The Corporation approved a
     Stock  Option Plan on April 26,  2005,  which  provides for the issuance of
     486,018 shares under option. On May 5, 2005,  approximately  384,000 option
     shares were granted subject to five year vesting. None of these shares were
     included in diluted  earnings  per share for the three or six months  ended
     June 30, 2005 as the strike price closely approximated market price at that
     date.
                                       7
<PAGE>

                             Cheviot Financial Corp.

             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)

            For the three and six months ended June 30, 2005 and 2004

4.   Effects of Recent Accounting Pronouncements
     -------------------------------------------

     In December 2004,  the Financial  Accounting  Standards  Board (the "FASB")
     issued a revision to Statement of Financial  Accounting  Standards ("SFAS")
     No. 123 which establishes  standards for the accounting for transactions in
     which an entity  exchanges  its equity  instruments  for goods or services,
     primarily  on  accounting  for  transactions  in  which an  entity  obtains
     employee services in share-based transactions. This Statement, SFAS No. 123
     (R) "Share-Based Payment",  requires a public entity to measure the cost of
     employee services  received in exchange for an award of equity  instruments
     based on the grant-date fair value of the award,  with limited  exceptions.
     That cost will be  recognized  over the period  during which an employee is
     required  to provide  services in  exchange  for the award - the  requisite
     service period. No compensation  cost is recognized for equity  instruments
     for which  employees do not render the requisite  service.  Employee  share
     purchase  plans  will not result in  recognition  of  compensation  cost if
     certain conditions are met.

     Initially,  the cost of employee services received in exchange for an award
     of liability  instruments will be measured based on current fair value; the
     fair value of that award will be remeasured  subsequently at each reporting
     date  through  the  settlement  date.  Changes  in fair  value  during  the
     requisite  service period will be recognized as compensation cost over that
     period.  The  grant-date  fair value of employee  share options and similar
     instruments will be estimated using option-pricing  models adjusted for the
     unique  characteristics  of those  instruments  (unless  observable  market
     prices for the same or similar  instruments  are  available).  If an equity
     award is modified after the grant date, incremental  compensation cost will
     be  recognized  in an amount  equal to the  excess of the fair value of the
     modified award over the fair value of the original award immediately before
     the modification.

     Excess tax  benefits,  as defined by SFAS 123(R) will be  recognized  as an
     addition to additional paid in capital.  Cash retained as a result of those
     excess tax benefits  will be  presented  in the  statement of cash flows as
     financing  cash inflows.  The write-off of deferred tax assets  relating to
     unrealized tax benefits  associated with recognized  compensation cost will
     be  recognized  as income tax expense  unless there are excess tax benefits
     from previous  awards  remaining in additional  paid in capital to which it
     can be offset.

     As stated previously,  Cheviot  Financial's  shareholders  approved a stock
     incentive  plan (the "Plan") at the  Corporation's  Annual  Meeting held on
     April 26, 2005.  The Plan  provides for the award of  restricted  stock and
     options  to  purchase  common  stock.   The   Corporation   will  recognize
     compensation costs on option shares pursuant to SFAS No. 123(R) in calendar
     2006.
                                       8
<PAGE>

                             Cheviot Financial Corp.

ITEM 2.              MANAGEMENT'S DISCUSSION AND ANALYSIS OF
                  FINANCIAL CONDITION AND RESULTS OF OPERATIONS


Forward Looking Statements
--------------------------

This  report  on Form 10-Q  contains  forward-looking  statements,  which can be
identified  by the use of such  words as  estimate,  project,  believe,  intend,
anticipate,  plan, seek, expect and similar expressions.  These  forward-looking
statements are subject to significant risks,  assumptions and uncertainties that
could   affect  the  actual   outcome  of  future   events.   Because  of  these
uncertainties,  our actual future  results may be materially  different from the
results indicated by these forward-looking statements.

Discussion  of Financial  Condition  Changes from  December 31, 2004 to June 30,
2005
--------------------------------------------------------------------------------

Total assets  increased  $4.6 million,  or 1.7%,  to $281.2  million at June 30,
2005,  from $276.6 million at December 31, 2004. The increase in total assets is
primarily due to the purchase of the  bank-owned  life  insurance  totaling $3.0
million during the six month period ended June 30, 2005, as well as increases in
interest-earning  deposits and loans receivable,  partially offset by a decrease
in mortgage-backed securities.

Cash, federal funds sold and  interest-earning  deposits increased $1.0 million,
or 12.7%,  to $8.7  million at June 30,  2005,  from the $7.7  million  total at
December 31, 2004. The increase in cash and cash  equivalents  was due to a $2.7
million increase in interest-earning  deposits,  which was partially offset by a
decrease in cash and cash due from banks of $373,000,  or 13.2%,  and a decrease
in federal funds sold of $1.3 million,  or 30.6%,  at June 30, 2005.  Investment
securities  decreased  $22,000,  or 0.1%, to $27.1 million at June 30, 2005. All
investment securities are classified as held to maturity.

Mortgage-backed securities decreased $4.2 million, or 13.6%, to $26.5 million at
June 30,  2005,  from $30.7  million at  December  31,  2004.  The  decrease  in
mortgage-backed  securities  was due  primarily  to  principal  prepayments  and
repayments   totaling  $4.2  million.   At  June  30,  2005,  $25.1  million  of
mortgage-backed  securities  were  classified  as held to  maturity,  while $1.4
million were classified as available for sale.  Since June 2004,  management has
focused on shorter term  investments  primarily in an effort to further  enhance
the Corporation's interest rate risk position.

Loans receivable  increased $4.0 million, or 2.0%, to $207.8 million at June 30,
2005, from $203.8 million at December 31, 2004. The increase  resulted from loan
originations  totaling $23.7 million and sales of $648,000,  partially offset by
loan principal repayments of $19.7 million.

The allowance for loan losses totaled $764,000 and $732,000 at June 30, 2005 and
December 31, 2004,  respectively.  In determining  the adequacy of the allowance
for loan  losses at any  point in time,  management  and the board of  directors
apply a systematic process focusing on the risk of loss in the portfolio. First,
the loan portfolio is segregated by loan types to be evaluated  collectively and
loan types to be evaluated individually.  Delinquent multi-family and commercial
loans are evaluated  individually  for potential  impairments  in their carrying
value.

Second,  the  allowance  for loan losses  entails  utilizing  our historic  loss
experience by applying such loss percentage to the loan types to be collectively
evaluated in the  portfolio.  This segment of the loss  analysis  resulted in an
additional  $32,000 to the  provision  for loss for the  quarter  ended June 30,
2005.  The  analysis of the  allowance  for loan  losses  requires an element of
judgment and is subject to the  possibility  that the  allowance  may need to be
increased,   with  a  corresponding  reduction  in  earnings.  To  the  best  of
management's knowledge, all known and inherent losses that are probable and that
can be reasonably estimated have been recorded at June 30, 2005.
                                       9

<PAGE>

                             Cheviot Financial Corp.

           MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION
                      AND RESULTS OF OPERATIONS (CONTINUED)


Discussion  of Financial  Condition  Changes from  December 31, 2004 to June 30,
2005 (continued)
--------------------------------------------------------------------------------

Non-performing and impaired loans totaled $206,000 and $251,000 at June 30, 2005
and December  31,  2004,  respectively.  At June 30,  2005,  non-performing  and
impaired loans were comprised of loans secured by one-to four-family residential
real estate totaling $112,000 and  nonresidential  real estate totaling $94,000.
The allowance for loan losses  represented  370.9% and 291.6% of  non-performing
and  impaired  loans  at June 30,  2005 and  December  31,  2004,  respectively.
Although  management  believes that its allowance for loan losses  conforms with
generally  accepted  accounting  principles  based upon the available  facts and
circumstances,  there can be no assurance  that  additions to the allowance will
not be necessary in future periods,  which would adversely affect our results of
operations.

Deposits increased  $890,000,  or 0.5%, to $180.9 million at June 30, 2005, from
$180.0 million at December 31, 2004. Advances from the Federal Home Loan Bank of
Cincinnati  increased by $4.8  million,  or 29.5%,  to $21.0 million at June 30,
2005,  from $16.2  million at December 31, 2004.  The  Corporation  utilized the
advance proceeds to partially fund growth in the loan portfolio.

Shareholders'  equity decreased $304,000,  or 0.4%, to $77.6 million at June 30,
2005,  from $77.9 million at December 31, 2004.  The decrease  resulted from the
repurchase of shares for stock  benefit plans of $935,000 and dividends  paid of
$536,000,  which were  partially  offset by net  earnings  of $1.1  million  and
amortization of ESOP expense of $100,000.

Cheviot Savings Bank is required to maintain minimum regulatory capital pursuant
to federal regulations.  At June 30, 2005, the Savings Bank's regulatory capital
substantially exceeded all minimum regulatory capital requirements.


Comparison of Operating  Results for the  Six-Month  Periods Ended June 30, 2005
and 2004
--------------------------------------------------------------------------------

General
-------

Net earnings for the six months ended June 30, 2005 totaled $1.1 million, a $1.2
million  increase  from the $102,000 net loss reported for the June 2004 period.
The  increase in net  earnings  reflects  $1.0  million  decrease in general and
administrative  expenses in 2005  reflecting the absence of a nonrecurring  $1.5
million contribution to the Cheviot Savings Bank Charitable  Foundation in 2004.
In  addition,  net  interest  income  increased  by  $282,000  and other  income
increased  by $75,000,  which were  partially  offset by a $187,000  increase in
federal income taxes for the 2005 quarter.

Net Interest Income
--------------------

Total interest  income  increased  $656,000,  or 10.5%,  to $6.9 million for the
six-months  ended June 30, 2005,  from the comparable  period in 2004.  Interest
income on loans  increased  $474,000,  or 8.7%, to $5.9 million  during the 2005
period,  from $5.4 million for the 2004 period.  This increase was due primarily
to a  $15.8  million,  or  8.3%,  increase  in  the  average  balance  of  loans
outstanding,  and a 2 basis  point  increase  in the  weighted-average  yield on
loans,  to 5.73 % for 2005 period  from 5.71% for the six months  ended June 30,
2004.
                                       10
<PAGE>

                             Cheviot Financial Corp.

           MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION
                      AND RESULTS OF OPERATIONS (CONTINUED)


Comparison of Operating  Results for the  Six-Month  Periods Ended June 30, 2005
and 2004 (continued)
--------------------------------------------------------------------------------

Net Interest Income (continued)
-------------------------------

Interest income on mortgage-backed  securities  increased $72,000,  or 19.6%, to
$439,000  for the six months  ended June 30,  2005,  from  $367,000 for the 2004
period,  due  primarily  to a 55 basis  point  increase  in the  average  yield,
partially  offset by a $182,000  decrease in the average  balance of  securities
outstanding.  Interest income on investment  securities  increased $134,000,  or
41.5%, to $457,000 for the six months ended June 30, 2005,  compared to $323,000
for the same period in 2004,  due primarily to a 122 basis point increase in the
average yield to 3.35% in the 2005 period,  which was partially offset by a $3.0
million,  or 9.9%  decrease  in the  average  balance of  investment  securities
outstanding.  Interest income on interest-earning deposits decreased $24,000, or
18.0%,  to $109,000 for the six months ended June 30, 2005,  due  primarily to a
$11.3  million  decrease in the average  balance of  interest-earning  deposits,
compared  to the same  period in 2004,  partially  offset  by a 113 basis  point
increase in the  weighted-average  yield, to 2.44% for the six months ended June
30, 2005.

Interest  expense  increased  $374,000,  or 19.9%,  to $2.3  million for the six
months  ended June 30,  2005,  from $1.9  million  for the same  period in 2004.
Interest  expense on deposits  increased by $159,000,  or 9.6%,  to $1.8 million
from $1.7  million due  primarily  to a $7.5  million,  or 4.0%,  decline in the
weighted-average  balance outstanding,  which was partially offset by a 25 basis
point  increase in the weighted  average  costs of deposits to 2.04% in the 2005
period.  Interest  expense on borrowings  increased by $215,000,  or 97.7%,  due
primarily  to a $10.4  million,  or  101.4%,  increase  in the  average  balance
outstanding,  which was  partially  offset by an 8 basis  point  decline  in the
average  cost of  borrowings.  The  increase  in the yields on  interest-earning
assets  and costs of  interest-bearing  liabilities  were due  primarily  to the
overall increase in short-term interest rates during 2005.

As a result of the foregoing  changes in interest  income and interest  expense,
net interest income increased by $282,000,  or 6.4%, to $4.7 million for the six
months ended June 30, 2005,  from $4.4 million for the  comparable  period ended
June 31, 2004. The average  interest rate spread  increased to 2.87% for the six
months  ended June 30, 2005 from 2.76% for the six months  ended June 30,  2004.
The net  interest  margin  increased  to 3.47% for the six months ended June 30,
2005 from 3.27% for the six months ended June 30, 2004.

Provision for Losses on Loans
-----------------------------

As a result of an  analysis  of  historical  experience,  the volume and type of
lending  conducted by the Savings  Bank,  the status of past due  principal  and
interest payments, general economic conditions,  particularly as such conditions
relate to the Savings  Bank's  market  area,  and other  factors  related to the
collectibility  of the Savings  Bank's  loan  portfolio,  management  recorded a
$32,000  provision for losses on loans for the  six-months  ended June 30, 2005.
Management's  analysis of the  allowance  resulted in no provision for losses on
loans for the six months ended June 30, 2004. There can be no assurance that the
loan loss allowance will be sufficient to cover losses on nonperforming loans in
the future.

Other Income
------------

Other income increased  $75,000,  or 64.1%, to $192,000 for the six months ended
June 30, 2005, compared to the same period in 2004, due primarily to an increase
in other  operating  income of $97,000,  or 100%, to $194,000 for the six months
ended June 30, 2005 from $97,000 for the prior period and a decrease in the loss
on sale of real  estate  acquired  through  foreclosure  of  $7,000,  which were
partially  offset  by a  decrease  in the gain on sale of loans of  $29,000,  or
87.9%.
                                       11

<PAGE>


                             Cheviot Financial Corp.

           MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION
                      AND RESULTS OF OPERATIONS (CONTINUED)


Comparison of Operating  Results for the  Six-Month  Periods Ended June 30, 2005
and 2004 (continued)
--------------------------------------------------------------------------------

General, Administrative and Other Expense
-----------------------------------------

General,  administrative and other expense decreased $1.0 million,  or 24.0%, to
$3.2 million for the six months  ended June 30, 2005,  from $4.3 million for the
comparable  period in 2004.  This decrease is a result of a $1.5 million expense
recorded during the first quarter of 2004 in connection  with the  Corporation's
contribution to the Cheviot Savings Bank  Charitable  Foundation.  This decrease
was  partially  offset  by  an  increase  of  $159,000,   or  9.9%  in  employee
compensation  and  benefits  expenses,  an  increase  of  $140,000,  or 41.5% in
property, payroll and other taxes and an increase of $140,000, or 84.3% in legal
and professional expenses. The increase in employee compensation and benefits is
due  primarily  to an increase in expense  related to stock  benefit  plans,  an
increase in  contributions  to the retirement plan and an increase in the number
of  employees  as a result of the  Company's  growth.  The increase in property,
payroll and other taxes is due  primarily  to an increase in the Ohio  Franchise
tax imposed as a result of the overall  increase in the net worth of the Company
following  the  completion  of its mutual  holding  company  reorganization  and
minority stock offering in 2004. The increase in legal and professional  expense
was due primarily to expenses  associated  with the reporting  requirements of a
public company and professional  services in connection with the  implementation
and design of Sarbanes-Oxley audit documentation.

Federal Income Taxes
--------------------

The provision for federal income taxes increased $187,000, or 55.3%, to $525,000
for the six months  ended June 30,  2005,  from  $338,000 for the same period in
2004,  due  primarily  to a $1.4  million  increase  in  pre-tax  earnings.  The
effective  tax rate was 33.1% for the six month period ended June 30, 2005.  The
federal  income  tax  provision  for  the  2004  period  totaled  $338,000.  The
difference  between the 2004  provision  and tax benefits  refundable at the 34%
statutory   corporate   rate  results   from  the   inability  to  fully  deduct
contributions to the Cheviot Savings Bank Foundation.

Comparison of Operating Results for the Three-Month  Periods Ended June 30, 2005
and 2004
--------------------------------------------------------------------------------

General
--------

Net  earnings  for the three  months  ended June 30, 2005  totaled  $424,000,  a
$166,000  decrease  from the  $590,000  net  earnings  reported in the June 2004
period. The decrease in net earnings reflects a $369,000 increase in general and
administrative  expenses in 2005,  which was partially  offset by an increase in
net  interest  income of $57,000,  an increase in other  income of $72,000 and a
decrease of $106,000 in federal income taxes for the 2005 quarter.

Net Interest Income
-------------------

Total  interest  income  increased  $312,000,  or 9.8%,  to $3.5 million for the
three-months ended June 30, 2005, from the comparable quarter in 2004.  Interest
income on loans  increased  $237,000,  or 8.7%, to $3.0 million  during the 2005
period from $2.7 million for the 2004 period. This increase was due primarily to
a $11.0 million,  or 5.7%, increase in the average balance of loans outstanding,
and a 16 basis point  increase in the  weighted-average  yield on loans to 5.79%
for 2005 quarter from 5.63% for the three months ended June 30, 2004.
                                       12
<PAGE>

                             Cheviot Financial Corp.

           MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION
                      AND RESULTS OF OPERATIONS (CONTINUED)


Comparison of Operating Results for the Three-Month  Periods Ended June 30, 2005
and 2004 (continued)
--------------------------------------------------------------------------------

Net Interest Income (continued)
-------------------------------

Interest income on mortgage-backed  securities  increased $30,000,  or 15.6%, to
$222,000 for the three months  ended June 30, 2005,  from  $192,000 for the 2004
quarter, due primarily to a 55 basis point increase in the average yield year to
year,  which was  partially  offset by a $1.3  million  decrease  in the average
balance of securities  outstanding.  Interest  income on  investment  securities
increased  $29,000,  or 13.8%,  to $239,000  for the three months ended June 30,
2005,  compared to $210,000 for the same quarter in 2004,  due primarily to a 58
basis point  increase in the average yield to 3.37% in the 2005  quarter,  which
was partially offset by a $1.7 million,  or 5.6% decrease in the average balance
of investment securities outstanding.  Interest income on other interest-earning
deposits increased $16,000, or 30.8%, to $68,000 for the three months ended June
30, 2005,  due primarily to a 215 basis point  increase in the  weighted-average
yield, to 3.64% for the three months ended June 30, 2005,  partially offset by a
$6.5 million decrease in the average balance of interest-earning deposits.

Interest  expense  increased  $255,000,  or 27.5%, to $1.2 million for the three
months ended June 30, 2005, from $927,000 for the same period in 2004.  Interest
expense on deposits  increased by $137,000,  or 16.9%, to $949,000 from $812,000
due  primarily  to a 37 basis point  increase in the weighted  average  costs of
deposits  to 2.14% in the 2005  period,  which  was  partially  offset by a $6.5
million decrease in the weighted-average  balance outstanding.  Interest expense
on borrowings increased by $118,000, or 102.6%, due primarily to a $7.9 million,
or 69.0%,  increase in the  average  balance  outstanding  and an 80 basis point
increase  in the  average  cost of  borrowings.  The  increase  in the yields on
interest-earning  assets  and  costs of  interest-bearing  liabilities  were due
primarily to the overall increase in market rates in the June 2005 quarter.

As a result of the foregoing  changes in interest  income and interest  expense,
net interest income increased by $57,000, or 2.5%, to $2.3 million for the three
months ended June 30, 2005. The average  interest rate spread decreased to 2.79%
for the three  months  ended June 30, 2005 from 2.86% for the three months ended
June 31, 2004. The net interest  margin  increased to 3.44% for the three months
ended June 30, 2005 from 3.37% for the three months ended June 30, 2004.

Provision for Losses on Loans
-----------------------------

As a result of an  analysis  of  historical  experience,  the volume and type of
lending  conducted by the Savings  Bank,  the status of past due  principal  and
interest payments, general economic conditions,  particularly as such conditions
relate to the Savings  Bank's  market  area,  and other  factors  related to the
collectibility  of the Savings  Bank's  loan  portfolio,  management  recorded a
$32,000 provision for losses on loans for the three-months  ended June 30, 2005.
Management's  analysis in the 2004 period resulted in no provision for losses on
loans for the three months ended June 30, 2004.  There can be no assurance  that
the loan loss  allowance  will be  sufficient  to cover losses on  nonperforming
loans in the future.

Other Income
------------

Other  income  increased  $72,000,  or 175.6%,  to $113,000 for the three months
ended June 30, 2005,  compared to the same quarter in 2004,  due primarily to an
increase in other operating  income of $69,000,  or 168.3%,  to $110,000 for the
three  months  ended  June 30,  2005 from  $41,000  for the prior  period and an
increase in the gain on sale of loans of $3,000.
                                       13

<PAGE>

                             Cheviot Financial Corp.

           MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION
                      AND RESULTS OF OPERATIONS (CONTINUED)


Comparison of Operating Results for the Three-Month  Periods Ended June 30, 2005
and 2004 (continued)
--------------------------------------------------------------------------------

General, Administrative and Other Expense
-----------------------------------------

General,  administrative and other expense increased $369,000, or 26.4%, to $1.8
million for the three  months  ended June 30,  2005,  from $1.4  million for the
comparable quarter in 2004. This increase is a result of an increase of $138,000
in employee  compensation  and  benefits,  an increase of $143,000 in  property,
payroll,  and  other  taxes  and a $84,000  increase  in legal and  professional
expenses.  These  increases were partially  offset by a decrease of $14,000,  or
9.4% in other  operating  expense.  The  increase in employee  compensation  and
benefits is due  primarily  to an increase in expense  related to stock  benefit
plans,  an increase in  contributions  to the retirement plan and an increase in
the number of employees  as a result of the  Company's  growth.  The increase in
property,  payroll,  and other  taxes is due  primarily  to an  increase in Ohio
franchise  tax imposed as a result of the  overall  increase in the net worth of
the  Company   following   the   completion  of  its  mutual   holding   company
reorganization  and minority  stock  offering in 2004. The increase in legal and
professional expense was due primarily to expenses associated with the reporting
requirements  of a public company and  professional  services in connection with
the implementation and design of Sarbanes-Oxley audit documentation.

Federal Income Taxes
---------------------

The provision for federal income taxes decreased $106,000, or 34.6%, to $200,000
for the three months ended June 30, 2005,  from $306,000 for the same quarter in
2004, due primarily to a $272,000, or 30.4%,  decrease in pre-tax earnings.  The
effective  tax rate was 32.1% and 34.2% for the three month  periods  ended June
30, 2005 and 2004. The difference between the Corporation's  32.1% effective tax
rate in the 2005 period and the 34% statutory corporate rate is due primarily to
the tax exempt earnings on bank owned life insurance. The difference between the
2004  provision and tax benefits  refundable at the statutory  rate results from
the  inability  to  fully  deduct  contributions  to the  Cheviot  Savings  Bank
Foundation.

ITEM 3   QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

There has been no  material  change in the  Corporation's  market risk since the
Form 10-K filed with the Securities  and Exchange  Commission for the year ended
December 31, 2004.

ITEM 4   CONTROLS AND PROCEDURES

The Corporation's  Chief Executive Officer and Chief Financial Officer evaluated
the disclosure  controls and  procedures  (as defined under Rules  13a-15(e) and
15d-15(e) of the  Securities  Exchange Act of 1934, as amended) as of the end of
the period covered by this quarterly  report.  Based upon that  evaluation,  the
Chief  Executive  Officer and Chief  Financial  Officer have  concluded that the
Corporation's disclosure controls and procedures are effective.

There were no significant  changes in the Corporation's  internal controls or in
other factors that could  materially  affect,  or could  reasonably be likely to
materially affect,  these controls subsequent to the date of their evaluation by
the Corporation's Chief Executive Officer and Chief Financial Officer.
                                       14
<PAGE>

                             Cheviot Financial Corp.

                                     PART II

ITEM 1.  Legal Proceedings
         ----------------

         Not applicable

ITEM 2.  Unregistered  Sales of Equity  Securities,  Use of Proceeds  and Issuer
         Purchases of Equity Securities
         -----------------------------------------------------------------------

          The  Corporation  announced a repurchase  plan on March 29, 2005. This
          program  provides for the  repurchase of 5%, or 495,937  shares of our
          common stock. As of June 30, 2005, the Corporation had not repurchased
          any shares pursuant to the repurchase program.

ITEM 3.  Defaults Upon Senior Securities
         -------------------------------

         Not applicable

ITEM 4.  Submission of Matters to a Vote of Security Holders
         ---------------------------------------------------

          The  Corporation  held its Annual Meeting of Shareholders on April 26,
          2005. Three matters were presented to the shareholders for a vote: The
          shareholders elected two directors by the following votes:

                                For             Against                Abstain

          Robert Thomas        9,378,501          274,749                   0
          John T. Smith        9,311,458          207,706                   0

          The  shareholders  ratified the selection of Grant Thornton LLP as the
          Company's auditors for the 2006 fiscal year by the following vote:

              For:  9,530,500        Against:  32,111        Abstain:  23,596

          The  shareholders   also  approved  of  the  2005  Cheviot   Financial
          Stock-Based Incentive Plan by the following vote:

              For:  7,563,868        Against:  646,972       Abstain:  1,375,377

ITEM 5.  Other Information
         ------------------

          None.

ITEM 6.  Exhibits
         ---------

     31.1 Certification of Principal  Executive  Officer Pursuant to Rule 13a-14
          of the Securities Exchange Act of 1934, As Adopted Pursuant to Section
          302 of the Sarbanes-Oxley Act of 2002.
     31.2 Certification of Principal  Financial  Officer Pursuant to Rule 13a-14
          of the Securities Exchange Act of 1934, As Adopted Pursuant to Section
          302 of the Sarbanes-Oxley Act of 2002.
     32.1 Certification  of Principal  Executive  Officer  Pursuant to 18 U.S.C.
          Section 1350, as Adopted Pursuant to Section 906 of the Sarbanes-Oxley
          Act of 2002.
     32.2 Certification  of Principal  Financial  Officer  Pursuant to 18 U.S.C.
          Section 1350, as Adopted Pursuant to Section 906 of the Sarbanes-Oxley
          Act of 2002.
                                       15

<PAGE>


                             Cheviot Financial Corp.

                                   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.



Date:   August 12, 2005               By:  /s/ Thomas J. Linneman
       -----------------                   -------------------------------------
                                           Thomas J. Linneman
                                           President and Chief Executive Officer



Date:   August 12, 2005                By: /s/ Scott T. Smith
       -----------------                   -------------------------------------
                                           Scott T. Smith
                                           Chief Financial Officer

                                       16

<PAGE>
                                                                   Exhibit 31.1
                      CERTIFICATION PURSUANT TO RULE 13A-14
                     OF THE SECURITIES EXCHANGE ACT OF 1934
                    AS ADOPTED PURSUANT TO SECTION 302 OF THE
                           SARBANES-OXLEY ACT OF 2002

I,  Thomas  J.  Linneman,  President  and Chief  Executive  Officer  of  Cheviot
Financial Corp., certify that:


1.   I have reviewed  this  quarterly  report on Form 10-Q of Cheviot  Financial
     Corp.;

2.   Based on my knowledge,  this  quarterly  report does not contain any untrue
     statement of a material fact or omit to state a material fact  necessary to
     make the statements  made, in light of the  circumstances  under which such
     statements  were made, not misleading with respect to the period covered by
     this quarterly report;

3.   Based on my  knowledge,  the  financial  statements,  and  other  financial
     information  included  in this  quarterly  report,  fairly  present  in all
     material respects the financial  condition,  results of operations and cash
     flows of the  registrant  as of, and for,  the  periods  presented  in this
     quarterly report;

4.   The  registrant's  other  certifying  officer  and  I are  responsible  for
     establishing and maintaining disclosure controls and procedures (as defined
     in Exchange Act Rules 13a-15(e) and 15d-15(e)) for the registrant and have:

     a.   Designed  such  disclosure  controls  and  procedures  or caused  such
          disclosure  controls to be designed under our  supervision,  to ensure
          that material  information  relating to the registrant,  including its
          consolidated subsidiaries,  is made known to us by others within those
          entities,  particularly  during  the  period in which  this  quarterly
          report is being prepared;

     b.   Evaluated the  effectiveness of the registrant's  disclosure  controls
          and procedures and presented in this report our conclusions  about the
          effectiveness of the disclosure controls and procedures, as of the end
          of  the  period  covered  by  this  quarterly  report  based  on  such
          evaluation; and

     c.   Disclosed  in this  report  any  change in the  registrant's  internal
          control over financial reporting that occurred during the registrant's
          most recent fiscal quarter (the registrant's  fourth fiscal quarter in
          the case of an annual  report)  that has  materially  affected,  or is
          reasonably  likely to materially  affect,  the  registrant's  internal
          control over financial reporting; and

5.   The registrant's  other certifying  officer and I have disclosed,  based on
     our most recent evaluation of internal control over financial reporting, to
     the registrant's  auditors and the audit committee of registrant's board of
     directors (or persons performing the equivalent functions):

     a.   All significant  deficiencies and material weaknesses in the design or
          operation  of internal  control  over  financial  reporting  which are
          reasonably  likely to  adversely  affect the  registrant's  ability to
          record, process, summarize and report financial information; and

     b.   Any fraud, whether or not material,  that involves management or other
          employees who have a  significant  role in the  registrant's  internal
          control over financial reporting.


Date:  August 12, 2005              /s/Thomas J. Linneman
                                    --------------------------------------------
                                    Thomas J. Linneman
                                    President and Chief Executive Officer
                                    (principal executive officer)



<PAGE>

                                                                    Exhibit 31.2


                      CERTIFICATION PURSUANT TO RULE 13A-14
                     OF THE SECURITIES EXCHANGE ACT OF 1934
                    AS ADOPTED PURSUANT TO SECTION 302 OF THE
                           SARBANES-OXLEY ACT OF 2002

I, Scott T. Smith,  Chief Financial Officer of Cheviot Financial Corp.,  certify
that:


1.   I have reviewed  this  quarterly  report on Form 10-Q of Cheviot  Financial
     Corp.;

2.   Based on my knowledge,  this  quarterly  report does not contain any untrue
     statement of a material fact or omit to state a material fact  necessary to
     make the statements  made, in light of the  circumstances  under which such
     statements  were made, not misleading with respect to the period covered by
     this quarterly report;

3.   Based on my  knowledge,  the  financial  statements,  and  other  financial
     information  included  in this  quarterly  report,  fairly  present  in all
     material respects the financial  condition,  results of operations and cash
     flows of the  registrant  as of, and for,  the  periods  presented  in this
     quarterly report;

4.   The  registrant's  other  certifying  officer  and  I are  responsible  for
     establishing and maintaining disclosure controls and procedures (as defined
     in Exchange Act Rules 13a-15(e) and 15d-15(e)) for the registrant and have:

     a.   Designed  such  disclosure  controls  and  procedures  or caused  such
          disclosure  controls to be designed under our  supervision,  to ensure
          that material  information  relating to the registrant,  including its
          consolidated subsidiaries,  is made known to us by others within those
          entities,  particularly  during  the  period in which  this  quarterly
          report is being prepared;

     b.   Evaluated the  effectiveness of the registrant's  disclosure  controls
          and procedures and presented in this report our conclusions  about the
          effectiveness of the disclosure controls and procedures, as of the end
          of  the  period  covered  by  this  quarterly  report  based  on  such
          evaluation; and

     c.   Disclosed  in this  report  any  change in the  registrant's  internal
          control over financial reporting that occurred during the registrant's
          most recent fiscal quarter (the registrant's  fourth fiscal quarter in
          the case of an annual  report)  that has  materially  affected,  or is
          reasonably  likely to materially  affect,  the  registrant's  internal
          control over financial reporting; and

5.   The registrant's  other certifying  officer and I have disclosed,  based on
     our most recent evaluation of internal control over financial reporting, to
     the registrant's  auditors and the audit committee of registrant's board of
     directors (or persons performing the equivalent functions):

     a.   All significant  deficiencies and material weaknesses in the design or
          operation  of internal  control  over  financial  reporting  which are
          reasonably  likely to  adversely  affect the  registrant's  ability to
          record, process, summarize and report financial information; and

     b.   Any fraud, whether or not material,  that involves management or other
          employees who have a  significant  role in the  registrant's  internal
          control over financial reporting.


Date:  August 12, 2005                            /s/Scott T. Smith
                                                  ------------------------------
                                                  Scott T. Smith
                                                  Chief Financial Officer
                                                  (principal financial officer)


<PAGE>


                                                                   Exhibit 32.1

                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002


In  connection  with the  Quarterly  Report  of  Cheviot  Financial  Corp.  (the
"Company"),  on Form 10-Q for the period ended June 30, 2005,  as filed with the
Securities  and  Exchange  Commission  on the  date of this  Certification  (the
"Report"),  I, Thomas J. Linneman,  President and Chief Executive Officer of the
Company,  certify,  pursuant to 18 U.S.C.  Section 1350, as adopted  pursuant to
Section 906 of the Sarbanes-Oxley Act of 2002, that, to my knowledge:

1.   The Report fully complies with the  requirements  of Section 13(a) or 15(d)
     of the Securities Exchange Act of 1934; and

2.   The information  contained in the Report fairly  presents,  in all material
     respects, the financial condition and results of operations of the Company.

A signed  original of this  written  statement  required by Section 906 has been
provided  to  Cheviot  Financial  Corporation  and will be  retained  by Cheviot
Financial Corporation and furnished to the Securities and Exchange Commission or
its staff upon request.


                           /s/Thomas J. Linneman
                           ----------------------------------------------------
                           Thomas J. Linneman
                           President and Chief Executive Officer

         Date:  August 12, 2005




<PAGE>


                                                                    Exhibit 32.2

                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002


In  connection  with the  Quarterly  Report  of  Cheviot  Financial  Corp.  (the
"Company"),  on Form 10-Q for the period ended June 30, 2005,  as filed with the
Securities  and  Exchange  Commission  on the  date of this  Certification  (the
"Report"),  I, Scott T. Smith, Chief Financial Officer of the Company,  certify,
pursuant to 18 U.S.C.  Section 1350,  as adopted  pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002, that, to my knowledge:

1.   The Report fully complies with the  requirements  of Section 13(a) or 15(d)
     of the Securities Exchange Act of 1934; and

2.   The information  contained in the Report fairly  presents,  in all material
     respects, the financial condition and results of operations of the Company.

A signed  original of this  written  statement  required by Section 906 has been
provided  to  Cheviot  Financial  Corporation  and will be  retained  by Cheviot
Financial Corporation and furnished to the Securities and Exchange Commission or
its staff upon request.



                           /s/Scott T. Smith
                          ------------------------------------------------------
                           Scott T. Smith
                           Chief Financial Officer

         Date:  August 12, 2005