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             September 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]

Indicate by check mark whether the  registrant is a shell company (as defined in
Rule 12b-2 of the Exchange Act).

Yes [   ]         No  [X]


As of November 8, 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 18

<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                                                    11

                Quantitative and Qualitative Disclosures about
                Market Risk                                                   16

                Controls and Procedures                                       16

PART II  -      OTHER INFORMATION                                             17

SIGNATURES                                                                    18

                                       2

<PAGE>

                             Cheviot Financial Corp.

                 CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION

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

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

<S>                                                                                      <C>                 <C>
Cash and due from banks                                                                  $    2,654          $    2,836
Federal funds sold                                                                            6,927               4,370
Interest-earning deposits in other financial institutions                                       595                 519
                                                                                         ----------          ----------
         Cash and cash equivalents                                                           10,176               7,725

Investment securities held to maturity - at cost, approximate market value of
  $26,597 and $26,864 at September 30, 2005
  and December 31, 2004, respectively                                                        27,091              27,102
Mortgage-backed securities available for sale - at fair value                                 1,330               1,483
Mortgage-backed securities held to maturity - at cost, approximate
  market value of $22,485 and $29,315 at September 30, 2005
  and December 31, 2004, respectively                                                        22,406              29,204
Loans receivable - net                                                                      218,248             203,842
Real estate acquired through foreclosure - net                                                   84                  90
Office premises and equipment - at depreciated cost                                           3,464               2,947
Federal Home Loan Bank stock - at cost                                                        3,013               2,909
Accrued interest receivable on loans                                                            859                 750
Accrued interest receivable on mortgage-backed securities                                        73                  80
Accrued interest receivable on investments and interest-earning deposits                        261                 219
Bank-owned life insurance                                                                     3,074                  -
Prepaid expenses and other assets                                                               350                 236
Prepaid federal income taxes                                                                    115                  -
                                                                                         ----------           ---------
         Total assets                                                                      $290,544            $276,587
                                                                                         ==========           =========
         LIABILITIES AND SHAREHOLDERS' EQUITY

Deposits                                                                                   $181,026            $179,989
Advances from the Federal Home Loan Bank                                                     30,001              16,199
Advances by borrowers for taxes and insurance                                                   726               1,014
Accounts payable and other liabilities                                                        1,186               1,003
Accrued federal income taxes                                                                     -                  127
Deferred federal income taxes                                                                   379                 315
                                                                                         ----------          ----------
         Total liabilities                                                                  213,318             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
    September 30, 2005 and December 31, 2004                                                     99                  99
  Additional paid-in capital                                                                 42,786              42,746
  Retained earnings - restricted                                                             39,193              38,374
  Shares acquired by stock benefit plans                                                     (4,854)             (3,273)
  Other comprehensive income (loss), unrealized gains (losses) on securities
    available for sale, net of related tax effects                                                2                  (6)
                                                                                         ----------          ----------
         Total shareholders' equity                                                          77,226              77,940
                                                                                         ----------          ----------
         Total liabilities and shareholders' equity                                        $290,544            $276,587
                                                                                         ==========          ==========
</TABLE>

See accompanying notes to consolidated financial statements.

                                        3

<PAGE>
                             Cheviot Financial Corp.

                       CONSOLIDATED STATEMENTS OF EARNINGS

                                   (Unaudited)
                      (In thousands, except per share data)

<TABLE>
<CAPTION>

                                                                          Nine months ended            Three months ended
                                                                            September 30,                September 30,
                                                                       2005          2004             2005           2004

Interest income
<S>                                                                  <C>            <C>               <C>          <C>
  Loans                                                              $  9,057       $8,320            $3,139       $2,876
  Mortgage-backed securities                                              672          595               233          228
  Investment securities                                                   710          547               253          224
  Interest-earning deposits and other                                     166          153                57           20
                                                                     --------       ------           -------      -------
         Total interest income                                         10,605        9,615             3,682        3,348

Interest expense
  Deposits                                                              2,862        2,457             1,047          801
  Borrowings                                                              739          410               304          190
                                                                     --------       ------            ------       ------
         Total interest expense                                         3,601        2,867             1,351          991
                                                                     --------       ------            ------       ------

         Net interest income                                            7,004        6,748             2,331        2,357

Provision for losses on loans                                              62           -                 30           -
                                                                    ---------        -----           -------        -----
         Net interest income after provision for losses on loans        6,942        6,748             2,301        2,357

Other income
  Gain on sale of loans                                                    13           59                 9           26
  Loss on sale of real estate acquired through foreclosure                 (8)         (13)               (2)          -
  Other operating                                                         299          152               105           55
                                                                     --------       ------            ------      -------
         Total other income                                               304          198               112           81

General, administrative and other expense
  Employee compensation and benefits                                    2,683        2,415               921          811
  Occupancy and equipment                                                 310          304                84           93
  Property, payroll and other taxes                                       709          497               231          160
  Data processing                                                         201          175                85           56
  Legal and professional                                                  383          240                77           74
  Advertising                                                             131          117                44           39
  Charitable contribution                                                  -         1,500                -            -
  Other operating                                                         402          376               132          119
                                                                     --------       ------            ------       ------
         Total general, administrative and other expense                4,819        5,624             1,574        1,352
                                                                     --------       ------            ------       ------
         Earnings before income taxes                                   2,427        1,322               839        1,086

Federal income taxes
  Current                                                                 744          826               274          320
  Deferred                                                                 60         (118)                5           50
                                                                     --------       ------           -------      -------
         Total federal income taxes                                       804          708               279          370
                                                                     --------       ------           -------      -------
         NET EARNINGS                                                $  1,623      $   614           $   560      $   716
                                                                     ========       ======           =======      =======
         EARNINGS PER SHARE
           Basic                                                         $.17         $.06              $.06         $.07
                                                                          ===          ===               ===          ===

           Diluted                                                       $.17         $.06              $.06         $.07
                                                                          ===          ===               ===          ===

           Dividends declared per share                                  $.18         $.15              $.06         $.05
                                                                          ===          ===               ===          ===
</TABLE>
See accompanying notes to consolidated financial statements.

                                        4

<PAGE>

                             Cheviot Financial Corp.

                      CONSOLIDATED STATEMENTS OF CASH FLOWS

                     For the nine months ended September 30,
                                   (Unaudited)
                                 (In thousands)
<TABLE>
<CAPTION>

                                                                                               2005                2004
Cash flows from operating activities:
<S>                                                                                        <C>                <C>
  Net earnings for the period                                                              $  1,623           $     614
  Adjustments to reconcile net earnings to net cash
  provided by (used in) operating activities:
    Amortization of premiums and discounts on investment
      and mortgage-backed securities, net                                                        27                 113
    Depreciation                                                                                163                 173
    Amortization of deferred loan origination (fees) costs - net                                (35)                 20
    Proceeds from sale of loans in the secondary market                                       1,595               2,727
    Loans originated for sale in the secondary market                                        (1,591)             (2,482)
    Gain on sale of loans                                                                       (13)                (59)
    Loss on sale of real estate acquired through foreclosure                                      8                  13
    Federal Home Loan Bank stock dividends                                                     (104)                (86)
    Provision for losses on loans                                                                62                  -
    Amortization of expense related to stock benefit plans                                      100                  -
      Increase (decrease) in cash due to changes in:
      Accrued interest receivable on loans                                                     (109)               (109)
      Accrued interest receivable on mortgage-backed securities                                   7                 (11)
      Accrued interest receivable on investments and interest-earning deposits                  (42)                (75)
      Prepaid expenses and other assets                                                        (114)                838
      Accounts payable and other liabilities                                                    183                 188
      Federal income taxes
        Current                                                                                (242)                 (4)
        Deferred                                                                                 60                (118)
                                                                                          ---------            --------
         Net cash provided by operating activities                                            1,578               1,742

Cash flows provided by (used in) investing activities:
  Principal repayments on loans                                                              32,037              30,939
  Loan disbursements                                                                        (46,573)            (48,399)
  Purchase of U.S. Government and agency obligations                                         (1,977)            (26,012)
  Proceeds from maturity of U.S. Government and agency obligations                            2,000              16,000
  Purchase of mortgage-backed securities                                                         -              (13,940)
  Principal repayments on mortgage-backed securities                                          6,924               4,681
  Proceeds from sale of real estate acquired through foreclosure                                110                  33
  Purchase of office premises and equipment                                                    (680)                (44)
  Purchase of bank - owned life insurance                                                    (3,000)                 -
  Net increase in the cash surrender value of life insurance                                    (74)                 -
                                                                                          ---------             -------
         Net cash used in investing activities                                              (11,233)            (36,742)

Cash flows provided by (used in) financing activities:
  Net increase (decrease) in deposits                                                         1,037             (88,787)
  Proceeds from FHLB advances                                                                16,600               9,000
  Repayments of Federal Home Loan Bank advances                                              (2,798)             (1,512)
  Advances by borrowers for taxes and insurance                                                (288)               (271)
  Purchase of shares for stock benefit plans                                                 (1,641)                 -
  Proceeds from issuance of common stock                                                         -               39,274
  Dividends paid on common stock                                                               (804)               (669)
                                                                                           --------            --------
         Net cash provided by (used in) financing activities                                 12,106             (42,965)
                                                                                           --------            --------

Net increase (decrease) in cash and cash equivalents                                          2,451             (77,965)

Cash and cash equivalents at beginning of period                                              7,725              83,776
                                                                                           --------             -------

Cash and cash equivalents at end of period                                                  $10,176             $ 5,811
                                                                                           ========             =======
</TABLE>

See accompanying notes to consolidated financial statements.

                                        5

<PAGE>

                             Cheviot Financial Corp.

                CONSOLIDATED STATEMENTS OF CASH FLOWS (CONTINUED)

                     For the nine months ended September 30,
                                   (Unaudited)
                                 (In thousands)
<TABLE>
<CAPTION>

                                                                                               2005                2004

Supplemental disclosure of cash flow information: Cash paid during the period
  for:
<S>                                                                                          <C>                <C>
    Federal income taxes                                                                     $1,007             $   630
                                                                                              =====              ======

    Interest on deposits and borrowings                                                      $3,601              $2,867
                                                                                              =====               =====


Supplemental disclosure of noncash investing activities:
  Transfers from loans to real estate acquired through foreclosure                          $   112             $   333
                                                                                             ======              ======


Recognition of mortgage servicing rights in accordance with SFAS No. 140                    $     9             $    18
                                                                                             =======             =======
</TABLE>

See accompanying notes to consolidated financial statements.

                                        6

<PAGE>

                             Cheviot Financial Corp.

                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

         For the three and nine months ended September 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 nine month periods ended September 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
nine months ended  September 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 nine month periods ended  September 30, 2005,  which
gives  effect to 321,368  unallocated  ESOP  shares and  35,707  allocated  ESOP
shares. For the three and nine months ended September 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 nine month
periods ended  September 30, 2004. The  Corporation  approved a Stock  Incentive
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.  A tabular  presentation of diluted earnings per share has
not been  presented  as diluted  shares are  essentially  equal to basic  shares
outstanding due to the proximity of the strike price and market price.

                                       7

<PAGE>

                             Cheviot Financial Corp.

             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)

         For the three and nine months ended September 30, 2005 and 2004


4. Stock Option Plan

The  Corporation  has a stock  option  plan that  provides  for  grants of up to
468,018 stock  options.  The  Corporation  accounts for its stock option plan in
accordance with SFAS No. 123,  "Accounting for Stock-based  Compensation," which
contains a fair value based  method for valuing  stock-based  compensation  that
entities may use,  which measures  compensation  cost at the grant date based on
the fair value of the award.  Compensation  is then  recognized over the service
period, which is usually the vesting period. Alternatively, SFAS No. 123 permits
entities to continue to account for stock options and similar equity instruments
under Accounting  Principles Board ("APB") Opinion No. 25, "Accounting for Stock
Issued to Employees."  Entities that continue to account for stock options using
APB Opinion No. 25 are required to make  pro-forma  disclosures  of net earnings
and earnings per share, as if the fair value-based  method of accounting defined
in SFAS No. 123 had been applied.

The  Corporation  applies  APB Opinion  No. 25 and  related  interpretations  in
accounting for its stock option plan. Accordingly, no compensation cost has been
recognized  for the plan.  Had  compensation  cost for the  Corporation's  stock
incentive  plan been  determined  based on the fair value at the grant dates for
awards under the plan consistent with the accounting method utilized in SFAS No.
123,  the  Corporation's  net  earnings  and  earnings per share would have been
reduced to the pro-forma  amounts  indicated below for the nine and three months
ended September 30:
<TABLE>
<CAPTION>

                                                                              Nine months ended          Three months ended
                                                                                September 30,                September,
                                                                                    2005                        2005

<S>                                                                               <C>                          <C>
    Net earnings (In thousands)                  As reported                      $1,623                       $560
                        Stock-based compensation, net of tax                         (21)                       (13)
                                                                                  ------                     ------

                                                   Pro-forma                      $1,602                       $547
                                                                                  ======                     ======
    Earnings per share
      Basic                                      As reported                        $.17                      $.06
                        Stock-based compensation, net of tax                           -                         -
                                                                                  ------                     ------

                                                   Pro-forma                        $.17                      $.06
                                                                                  ======                     ======

      Diluted                                    As reported                        $.17                      $.06
                        Stock-based compensation, net of tax                           -                         -
                                                                                  ------                     ------

                                                   Pro-forma                        $.17                      $.06
                                                                                  ======                     ======
</TABLE>

The fair value of each option  granted is  estimated  on the date of grant using
the   modified   Black-Scholes   options-pricing   model   with  the   following
weighted-average  assumptions used for grants: dividend yield of 2.15%; expected
volatility of 39.8%; risk-free interest rates of 4.19%; and expected lives of 10
years.

                                       8
<PAGE>


                             Cheviot Financial Corp.

             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)

         For the three and nine months ended September 30, 2005 and 2004


    4. Stock Option Plan (continued)

A summary of the status of the  Corporation's  stock option plan as of September
30, 2005, and changes during the period then ended is presented below:
<TABLE>
<CAPTION>

                                                                                                Nine months ended
                                                                                                  September 30,
                                                                                                      2005
                                                                                                            Weighted-
                                                                                                             average
                                                                                                            exercise
                                                                                           Shares             price

<S>                                                                                     <C>                <C>
    Outstanding at beginning of period                                                         -            $    -
    Granted                                                                               383,700            11.15
    Exercised                                                                                  -                 -
    Forfeited                                                                                  -                 -
                                                                                          -------           ------

    Outstanding at end of period                                                          383,700           $11.15
                                                                                          =======            =====

    Options exercisable at period-end                                                          -            $    -
                                                                                          =======            =====
</TABLE>

The following information applies to options outstanding at September 30, 2005:

    Number outstanding                                               383,700
    Exercise price  $11.15
    Weighted-average exercise price                                    11.15
    Weighted-average remaining contractual life                    4.6 years
    Fair value of options granted                                      $3.36

5. 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.

                                       9
<PAGE>


                             Cheviot Financial Corp.

             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)

         For the three and nine months ended September 30, 2005 and 2004


5. Effects of Recent Accounting Pronouncements (continued)

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 at the  Corporation's  Annual Meeting held on April 26, 2005. The
Stock  Incentive Plan provides for the award of restricted  stock and options to
purchase common stock.  The  Corporation  will recognize  compensation  costs on
granted option shares  pursuant to SFAS No. 123(R) in calendar 2006.  Such costs
should approximate the annualized interim costs set forth in the table above.

                                       10

<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 September
30, 2005
--------------------------------------------------------------------------------

Total assets  increased  $14.0 million,  or 5.0%, to $290.5 million at September
30, 2005, from $276.6 million at December 31, 2004. The increase in total assets
reflects the purchase of the  bank-owned  life  insurance  totaling $3.0 million
during the nine month period  ended  September  30,  2005,  as well as growth in
interest-earning deposits and loans receivable, which were partially offset by a
decrease in mortgage-backed securities.

Cash, federal funds sold and  interest-earning  deposits increased $2.5 million,
or 31.7%, to $10.2 million at September 30, 2005, from the $7.7 million total at
December 31, 2004. The increase in cash and cash  equivalents  was due to a $2.6
million  increase  in federal  funds sold and an  increase  in  interest-earning
deposits of $76,000,  which was partially  offset by a decrease in cash and cash
due  from  banks of  $182,000,  or  6.4%,  at  September  30,  2005.  Investment
securities  decreased $11,000,  or .04%, to $27.1 million at September 30, 2005.
All investment securities are classified as held to maturity.

Mortgage-backed securities decreased $7.0 million, or 22.7%, to $23.7 million at
September  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  $6.9  million.  At September  30, 2005,  $22.4  million of
mortgage-backed  securities  were  classified  as held to  maturity,  while $1.3
million were classified as available for sale.  Since June 2004,  management has
focused on investing in shorter term investments in an effort to further enhance
the  Corporation's  interest  rate  risk  position  in a  rising  interest  rate
environment.

Loans  receivable  increased  $14.4  million,  or 7.1%,  to  $218.2  million  at
September  30, 2005,  from $203.8  million at December  31,  2004.  The increase
reflects  loan  originations  totaling  $46.6 million and sales of $1.6 million,
partially offset by loan principal repayments of $32.0 million.

The  allowance  for loan losses  totaled  $785,000 and $732,000 at September 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 $30,000 to the provision for loss for the quarter ended September 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 September 30, 2005.

                                       11

<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 September
30, 2005 (continued)
--------------------------------------------------------------------------------

Non-performing and impaired loans totaled $205,000 and $251,000 at September 30,
2005 and December 31, 2004, respectively.  At September 30, 2005, non-performing
and  impaired  loans  were  comprised  of loans  secured  by one-to  four-family
residential  real  estate  totaling  $111,000  and  nonresidential  real  estate
totaling $94,000. The allowance for loan losses represented 382.9% and 291.6% of
non-performing  and impaired  loans at September 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  $1.0 million,  or 0.6%, to $181.0  million at September 30,
2005,  from $180.0 million at December 31, 2004.  Advances from the Federal Home
Loan Bank of Cincinnati  increased by $13.8 million,  or 85.2%, to $30.0 million
at September 30, 2005,  from $16.2 million at December 31, 2004. The Corporation
utilized the advance  proceeds as the primary  funding  source for growth in the
loan portfolio.

Shareholders' equity decreased $714,000 , or 0.9%, to $77.2 million at September
30, 2005,  from $77.9 million at December 31, 2004.  The decrease  resulted from
the  repurchase  of shares for stock benefit plans of $1.6 million and dividends
paid of $804,000,  which were  partially  offset by net earnings of $1.6 million
and amortization of ESOP expense of $100,000.

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


Comparison of Operating  Results for the Nine-Month  Periods Ended September 30,
2005 and 2004
--------------------------------------------------------------------------------

General
---------

Net earnings for the nine months ended  September 30, 2005 totaled $1.6 million,
a $1.0  million  increase  from  the  $614,000  net  earnings  reported  for the
September  2004  period.  The  increase  in net  earnings  reflects  an $805,000
decrease in general and administrative expenses in 2005. During the 2004 period,
Cheviot  Financial   contributed  $1.5  million  to  the  Cheviot  Savings  Bank
Charitable  Foundation.  In addition,  net interest income increased by $256,000
and other income increased by $106,000, which were partially offset by a $96,000
increase in federal income taxes for the 2005 quarter.

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

Total interest  income  increased  $990,000,  or 10.3%, to $10.6 million for the
nine-months  ended  September  30,  2005,  from the  comparable  period in 2004.
Interest income on loans increased $737,000, or 8.9%, to $9.1 million during the
2005  period,  from $8.3  million for the 2004  period.  This  increase  was due
primarily to a $13.8 million,  or 7.1%, increase in the average balance of loans
outstanding,  and a 10 basis  point  increase in the  weighted-average  yield on
loans,  to 5.79% for 2005 period from 5.69% for the nine months ended  September
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 Nine-Month  Periods Ended September 30,
2005 and 2004 (continued)
--------------------------------------------------------------------------------

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

Interest income on mortgage-backed  securities  increased $77,000,  or 12.9%, to
$672,000 for the nine months ended  September  30, 2005,  from  $595,000 for the
2004 period,  due primarily to a 52 basis point  increase in the average  yield,
partially offset by a $1.4 million decrease in the average balance of securities
outstanding.  Interest income on investment  securities  increased $163,000,  or
29.8%,  to $710,000 for the nine months ended  September  30, 2005,  compared to
$547,000  for the  same  period  in 2004,  due  primarily  to an 89 basis  point
increase in the average  yield to 3.27% in the 2005 period,  which was partially
offset by a $1.7 million,  or 5.4% decrease in the average balance of investment
securities outstanding.  Interest income on interest-earning  deposits increased
$13,000,  or 8.5%, to $166,000 for the nine months ended September 30, 2005, due
primarily to a 164 basis point increase in the weighted-average  yield, to 3.02%
for the nine months ended September 30, 2005, partially offset by a $7.5 million
decrease in the average balance of  interest-earning  deposits,  compared to the
same period in 2004.

Interest  expense  increased  $734,000,  or 25.6%,  to $3.6 million for the nine
months ended  September 30, 2005, from $2.9 million for the same period in 2004.
Interest  expense on deposits  increased by $405,000,  or 16.5%, to $2.9 million
from $2.5  million due  primarily  to a $5.6  million,  or 3.1%,  decline in the
weighted-average  balance outstanding,  which was partially offset by a 36 basis
point  increase in the  weighted  average  cost of deposits to 2.15% in the 2005
period.  Interest  expense on borrowings  increased by $329,000,  or 80.2%,  due
primarily  to a  $9.6  million,  or  77.1%,  increase  in  the  average  balance
outstanding and an 8 basis point increase in the average cost of borrowings. The
increase in the yields on  interest-earning  assets and cost of interest-bearing
liabilities  were due primarily to the overall  increase in short-term  interest
rates  during  2005.  Such  increases  generally  reflect the Federal  Reserve's
increases in interbank rates during the period.

As a result of the foregoing  changes in interest  income and interest  expense,
net interest income increased by $256,000, or 3.8%, to $7.0 million for the nine
months ended  September 30, 2005,  from $6.7 million for the  comparable  period
ended  September 30, 2004. The average  interest rate spread  decreased to 2.79%
for the nine  months  ended  September  30,  2005 from 2.82% for the nine months
ended  September 30, 2004.  The net interest  margin  increased to 3.43% for the
nine  months  ended  September  30,  2005 from 3.35% for the nine  months  ended
September 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
$62,000  provision for losses on loans for the  nine-months  ended September 30,
2005. Management's analysis of the allowance resulted in no provision for losses
on loans for the nine months ended September 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 $106,000, or 53.5%, to $304,000 for the nine months ended
September  30, 2005,  compared to the same period in 2004,  due  primarily to an
increase in other  operating  income of $147,000,  or 96.7%, to $299,000 for the
nine months ended  September  30, 2005 from  $152,000 for the prior period and a
decrease  in the loss on sale of real estate  acquired  through  foreclosure  of
$5,000,  which were partially  offset by a decrease in the gain on sale of loans
of $46,000, or 78.0%.

                                       13
<PAGE>

                             Cheviot Financial Corp.

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

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

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

General,  administrative and other expense decreased $805,000, or 14.3%, to $4.8
million for the nine months ended  September 30, 2005, from $5.6 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  $268,000,  or  11.1%  in  employee
compensation  and  benefits  expenses,  an  increase  of  $212,000,  or 42.7% in
property, payroll and other taxes and an increase of $143,000, or 59.6% 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 Corporation'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
Corporation   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 systems documentation.

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

The provision for federal income taxes increased $96,000,  or 13.6%, to $804,000
for the nine months ended  September 30, 2005, from $708,000 for the same period
in 2004,  due  primarily to a $1.1  million  increase in pre-tax  earnings.  The
effective tax rate was 33.1% for the nine month period ended September 30, 2005.
The  federal  income  tax  provision  for  the  2004  period  totaled  $708,000,
reflecting  an  effective  tax rate of 53.6%.  The  difference  between the 2004
provision and taxes payable 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 September 30,
2005 and 2004
--------------------------------------------------------------------------------

General
--------

Net earnings for the three months ended September 30, 2005 totaled  $560,000,  a
$156,000  decrease from the $716,000 net earnings reported in the September 2004
period. The decrease in net earnings reflects a $222,000 increase in general and
administrative  expense in 2005,  which was  partially  offset by an increase in
other  income of $31,000 and a decrease of $91,000 in federal  income  taxes for
the 2005 quarter.

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

Total interest  income  increased  $334,000,  or 10.0%,  to $3.7 million for the
three-months  ended  September 30, 2005,  from the  comparable  quarter in 2004.
Interest income on loans increased $263,000, or 9.1%, to $3.1 million during the
2005  period  from $2.9  million  for the 2004  period.  This  increase  was due
primarily to a $12.8 million,  or 6.3%, increase in the average balance of loans
outstanding,  and a 15 basis  point  increase in the  weighted-average  yield on
loans to 5.81% for 2005 quarter from 5.66% for the three months ended  September
30, 2004.

                                       14

<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 September 30,
2005 and 2004 (continued)
--------------------------------------------------------------------------------

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

Interest income on  mortgage-backed  securities  increased  $5,000,  or 2.2%, to
$233,000 for the three months ended  September  30, 2005,  from $228,000 for the
2004 quarter,  due primarily to an 89 basis point  increase in the average yield
period to period,  which was partially  offset by a $6.9 million decrease in the
average  balance  of  securities  outstanding.  Interest  income  on  investment
securities  increased $29,000,  or 12.9%, to $253,000 for the three months ended
September  30,  2005,  compared to $224,000  for the same  quarter in 2004,  due
primarily to a 49 basis point increase in the average yield to 3.36% in the 2005
quarter,  which was partially offset by a $1.2 million,  or 3.9% decrease in the
average balance of investment securities  outstanding.  Interest income on other
interest-earning deposits increased $37,000, or 185.0%, to $57,000 for the three
months ended  September 30, 2005, due primarily to a 119 basis point increase in
the  weighted-average  yield,  to 3.27% for the three months ended September 30,
2005 and a $3.0  million  increase  in the average  balance of  interest-earning
deposits.

Interest  expense  increased  $360,000,  or 36.3%, to $1.4 million for the three
months ended  September 30, 2005, from $1.0 million for the same period in 2004.
Interest  expense on deposits  increased by $246,000,  or 30.7%, to $1.0 million
from $801,000 due primarily to a 56 basis point increase in the weighted average
costs of deposits to 2.35% in the 2005 period,  which was partially  offset by a
$618,000 decrease in the weighted-average balance outstanding.  Interest expense
on borrowings increased by $114,000, or 60.0%, due primarily to a $10.4 million,
or 61.7%,  increase  in the average  balance  outstanding,  which was  partially
offset by a 3 basis  point  decrease  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
September 2005 quarter.

As a result of the foregoing  changes in interest  income and interest  expense,
net interest income decreased by $26,000, or 1.1%, to $2.3 million for the three
months ended September 30, 2005. The average  interest rate spread  decreased to
2.67% for the three  months  ended  September  30, 2005 from 2.93% for the three
months ended September 30, 2004. The net interest margin  decreased to 3.36% for
the three months ended  September 30, 2005 from 3.49% for the three months ended
September 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
$30,000  provision for losses on loans for the three-months  ended September 30,
2005.  Management's  analysis in the 2004 period  resulted in no  provision  for
losses on loans for the three months ended  September 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 $31,000, or 38.3%, to $112,000 for the three months ended
September  30, 2005,  compared to the same quarter in 2004,  due primarily to an
increase in other  operating  income of $50,000,  or 90.9%,  to $105,000 for the
three  months  ended  September  30,  2005 from  $55,000  for the  prior  period
consisting of a $25,000 increase in the surrender value of life insurance, which
was  partially  offset by a decrease in the gain on sale of loans of $17,000 and
an increase in the loss on sale of real estate acquired  through  foreclosure of
$2,000.

                                       15
<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 September 30,
2005 and 2004 (continued)
--------------------------------------------------------------------------------

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

General,  administrative and other expense increased $222,000, or 16.4%, to $1.6
million for the three months ended September 30, 2005, from $1.4 million for the
comparable quarter in 2004. This increase is a result of an increase of $110,000
in employee  compensation  and  benefits,  an  increase of $71,000 in  property,
payroll, and other taxes and a $13,000 increase in other operating 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
Corporation'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 Corporation following the completion of
its mutual holding company  reorganization  and minority stock offering in 2004.
The  increase  in other  operating  expenses  was due  primarily  to  additional
printing and administrative expenses as a result of being a public company.

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

The provision for federal income taxes decreased $91,000,  or 24.6%, to $279,000
for the three  months  ended  September  30,  2005,  from  $370,000 for the same
quarter in 2004,  due  primarily  to a $247,000,  or 22.7%,  decrease in pre-tax
earnings. The effective tax rate was 33.3% and 34.1% for the three month periods
ended  September 30, 2005 and 2004.  The  difference  between the  Corporation's
33.3% 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.

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.

                                       16

<PAGE>

                             Cheviot Financial Corp.

                                     PART II


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

          None.

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 September  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
         ---------------------------------------------------

         None.

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.

                                       17
<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:   November 10, 2005              By:  /s/ Thomas J. Linneman
       ------------------------            -------------------------------------
                                           Thomas J. Linneman
                                           President and Chief Executive Officer



Date:   November 10, 2005               By: /s/ Scott T. Smith
       ------------------------            -------------------------------------
                                           Scott T. Smith
                                           Chief Financial Officer

                                       18

<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:  November 10, 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:  November 10, 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 September 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:  November 10, 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 September 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:  November 10, 2005