|  Delaware                           | 54-2069979             |
|------------------------------------------|------------------------|
| (State or other jurisdiction of          | (I.R.S. Employer       |
| incorporation or organization)           | Identification Number) |
|                                     |                   |
| 519 South New Hope Road, Gastonia, NC    | 28054                  |
| (Address of principal executive offices) | (Zip code)             |

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| Common Stock, par value $0.01 per share | The NASDAQ Stock Market, LLC           |
|-----------------------------------------|----------------------------------------|
| (Title of class)                        | (Name of exchange on which registered) |

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PART 

Item 

|                                                                              |                                                                                                                                                                                                                                                   |
|-----------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| Exhibits                                                                          |                                                                                                                                                                                                                                                   |
|                                                                              |                                                                                                                                                                                                                                                   |
| 3.1              | Certificate of Incorporation of Citizens South Banking Corporation (incorporated herein by reference to the Registration Statement on Form S-1 (File No. 333-91498), originally filed with the Commission on June 28, 2002)                            |
|                                                                              |                                                                                                                                                                                                                                                   |
| 3.2                   |   Amended Bylaws of Citizens South Banking Corporation                                                                                                                                                                                            |
|                                                                              |                                                                                                                                                                                                                                                   |
| 4.1                                                                               | Form of Common Stock Certificate of Citizens South Banking Corporation (incorporated herein by reference to the Registration Statement on Form S-1 (File No. 333-91498), originally filed with the Commission on June 28, 2002)                        |
|                                                                              |                                                                                                                                                                                                                                                   |
| 4.2              | Indenture between Citizens South Banking Corporation and Wilmington Trust Company, as trustee, dated October 28, 2005. (Incorporated by reference to the Current Report on Form 8-K (File No. 0-23971), filed with the Commission on November 3, 2005) |
|                                                                              |                                                                                                                                                                                                                                                   |
| 4.3                                                                               | Certificate of Designations of Fixed-Rate Cumulative Perpetual Preferred Stock (incorporated herein by reference to the Current Report on Form 8-K (File No. 0-23971) filed with the Commission on December 16, 2008)                                  |
|                                                                              |                                                                                                                                                                                                                                                   |
| 4.4                                                                               | Warrant to Purchase Common Stock of Citizens South Banking Corporation (incorporated herein by reference to the Current Report on Form 8-K (File No. 0-23971), filed with the Commission on December 12, 2008)                                         |
|                                                                              |                                                                                                                                                                                                                                                   |
| 10.1                                                                              | Amended and Restated Employment Agreement with Kim S. Price dated November 17, 2008 (incorporated herein by reference to the Current Report on Form 8-K (File No. 0-23971) filed with the Commission on November 20, 2008)                             |

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| 10.2                                                       | Deferred Compensation and Income Continuation Agreement (incorporated by reference to the Registration Statement on Form SB-2 (File No. 333-42951), originally filed with the Commission on December 22, 1997)                                                                                                                  |
|------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                                                       |                                                                                                                                                                                                                                                                                                                            |
| 10.3          |  Employee Stock Option Plan (incorporated by reference to the Registration Statement on Form SB-2 (File No. 333-42951), originally filed with the Commission on December 22, 1997)                                                                                                                                         |
|                                                       |                                                                                                                                                                                                                                                                                                                            |
| 10.4               |   Supplemental Executive Retirement Plan (incorporated by reference to the Registration Statement on Form SB-2 (File No. 333-42951) filed with the Commission on December 22, 1997)                                                                                                                                        |
|                                                       |                                                                                                                                                                                                                                                                                                                            |
| 10.5          |  Amended and Restated Severance Agreement with Gary F. Hoskins dated November 17, 2008 (incorporated by reference to the Current Report on Form 8-K (File No. 0-23971) filed with the Commission on November 20, 2008)                                                                                                     |
|                                                       |                                                                                                                                                                                                                                                                                                                            |
| 10.6          | Amended and Restated Severance Agreement with Paul L. Teem, Jr. dated November 17, 2008 (incorporated by reference to the Current Report on Form 8-K (File No. 0-23971) filed with the Commission on November 20, 2008)                                                                                                         |
|                                                       |                                                                                                                                                                                                                                                                                                                            |
| 10.7          | Amended and Restated Severance Agreement with Michael R. Maguire dated November 17, 2008 (incorporated by reference to the Current Report on Form 8-K (File No. 0-23971) filed with the Commission on November 20, 2008)                                                                                                        |
|                                                       |                                                                                                                                                                                                                                                                                                                            |
| 10.8          | Amended and Restated Severance Agreement with Daniel M. Boyd, IV dated November 17, 2008 (incorporated by reference to the Current Report on Form 8-K (File No. 0-23971) filed with the Commission on November 20, 2008)                                                                                                        |
|                                                       |                                                                                                                                                                                                                                                                                                                            |
| 10.9          |  Salary Continuation Agreement with Kim S. Price dated January 1, 2004, as amended (incorporated by reference to the Annual Report on Form 10-K (File No. 0-23971), filed with the Commission on March 16, 2005 and the Current Report on Form 8-K (File No. 0-23971) filed with the Commission on November 20, 2008)      |
|                                                       |                                                                                                                                                                                                                                                                                                                            |
| 10.10                             | Salary Continuation Agreement with Gary F. Hoskins dated January 1, 2004, as amended (incorporated by reference to the Annual Report on Form 10-K (File No. 0-23971), filed with the Commission on March 16, 2005 and the Current Report on Form 8-K (File No. 0-23971) filed with the Commission on November 20, 2008)         |
|                                                       |                                                                                                                                                                                                                                                                                                                            |
| 10.11                             | Salary Continuation Agreement with Paul L. Teem, Jr. dated January 1, 2004, as amended (incorporated by reference to the Annual Report on Form 10-K (File No. 0-23971) filed with the Commission on March 16, 2005 and the Current Report on Form 8-K (File No. 0-23971) filed with the Commission on November 20, 2008)        |
|                                                       |                                                                                                                                                                                                                                                                                                                            |
| 10.12                             |  Salary Continuation Agreement with Michael R. Maguire dated January 1, 2004, as amended (incorporated by reference to the Annual Report on Form 10-K (File No. 0-23971) filed with the Commission on March 16, 2005 and the Current Report on Form 8-K (File No. 0-23971) filed with the Commission on November 20, 2008) |
|                                                       |                                                                                                                                                                                                                                                                                                                            |
| 10.13                             |  Salary Continuation Agreement with Daniel M. Boyd, IV dated January 1, 2004, as amended (incorporated by reference to the Annual Report on Form 10-K (File No. 0-23971) filed with the Commission on March 16, 2005 and the Current Report on Form 8-K (File No. 0-23971) filed with the Commission on November 20, 2008) |
|                                                       |                                                                                                                                                                                                                                                                                                                            |
| 10.14                                                      | Endorsement Split Dollar Agreement with Kim S. Price dated January 1, 2004 (incorporated by reference to the Annual Report on Form 10-K (File No. 0-23971) filed with the Commission on March 16, 2005)                                                                                                                         |

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| 10.15  | Endorsement Split Dollar Agreement with Gary F. Hoskins dated January 1, 2004 (incorporated by reference to the Annual Report on Form 10-K (File No. 0-23971) filed with the Commission on March 16, 2005)                                                                                                                                      |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|   |                                                                                                                                                                                                                                                                                                                                            |
| 10.16  |  Endorsement Split Dollar Agreement with Paul L. Teem, Jr. dated January 1, 2004 (incorporated by reference to the Annual Report on Form 10-K (File No. 0-23971) filed with the Commission on March 16, 2005)                                                                                                                              |
|   |                                                                                                                                                                                                                                                                                                                                            |
| 10.17  | Endorsement Split Dollar Agreement with Michael R. Maguire dated January 1, 2004 (incorporated by reference to the Annual Report on Form 10-K (File No. 0-23971) filed with the Commission on March 16, 2005)                                                                                                                                   |
|   |                                                                                                                                                                                                                                                                                                                                            |
| 10.18  | Endorsement Split Dollar Agreement with Daniel M. Boyd, IV dated January 1, 2004 (incorporated by reference to the Annual Report on Form 10-K (File No. 0-23971) filed with the Commission on March 16, 2005)                                                                                                                                   |
|   |                                                                                                                                                                                                                                                                                                                                            |
| 10.19  | Endorsement Split Dollar Agreement with V. Burton Brinson, Jr. dated January 1, 2004 (incorporated by reference to the Annual Report on Form 10-K (File No. 0-23971) filed with the Commission on March 16, 2005)                                                                                                                               |
|   |                                                                                                                                                                                                                                                                                                                                            |
| 10.20  | Amended Deferred Compensation and Income Continuation Agreement with David W. Hoyle, Sr. dated March 15, 2004 (incorporated by reference to the Annual Report on Form 10-K (File No. 0-23971) filed with the Commission on March 16, 2005 and the Current Report on Form 8-K (File No. 0-23971) filed with the Commission on November 20, 2008) |
|   |                                                                                                                                                                                                                                                                                                                                            |
| 10.21  | Amended Deferred Compensation and Income Continuation Agreement with Ben R. Rudisill, II dated March 15, 2005 (incorporated by reference to the Annual Report on Form 10-K (File No. 0-23971) filed with the Commission on March 16, 2005 and the Current Report on Form 8-K (File No. 0-23971) filed with the Commission on November 20, 2008) |
|   |                                                                                                                                                                                                                                                                                                                                            |
| 10.22  | Amended Deferred Compensation and Income Continuation Agreement with James J. Fuller dated March 15, 2004 (incorporated by reference to the Annual Report on Form 10-K (File No. 0-23971) filed with the Commission on March 16, 2005 and the Current Report on Form 8-K (File No. 0-23971) filed with the Commission on November 20, 2008)     |
|   |                                                                                                                                                                                                                                                                                                                                            |
| 10.23  | Amended Deferred Compensation and Income Continuation Agreement with Charles D. Massey dated March 15, 2004 (incorporated by reference to the Annual Report on Form 10-K (File No. 0-23971) filed with the Commission on March 16, 2005 and the Current Report on Form 8-K (File No. 0-23971) filed with the Commission on November 20, 2008)   |
|   |                                                                                                                                                                                                                                                                                                                                            |
| 10.24  |  Amended Director Retirement Agreement with David W. Hoyle, Sr. dated March 15, 2004 (incorporated by reference to the Annual Report on Form 10-K (File No. 0-23971) filed with the Commission on March 16, 2005 and the Current Report on Form 8-K (File No. 0-23971) filed with the Commission on November 20, 2008)                     |
|   |                                                                                                                                                                                                                                                                                                                                            |
| 10.25  | Amended Director Retirement Agreement with Ben R. Rudisill, II dated March 15, 2004 (incorporated by reference to the Annual Report on Form 10-K (File No. 0-23971, filed with the Commission on March 16, 2005 and the Current Report on Form 8-K (File No. 0-23971) filed with the Commission on November 20, 2008)                           |
|   |                                                                                                                                                                                                                                                                                                                                            |
| 10.26  | Amended Director Retirement Agreement with James J. Fuller dated March 15, 2004 (incorporated by reference to the Annual Report on Form 10-K (File No. 0-23971) filed with the Commission on March 16, 2005 and the Current Report on Form 8-K (File No. 0-23971) filed with the Commission on November 20, 2008)                               |

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| 10.27                                                                                        | Amended Director Retirement Agreement with Charles D. Massey dated March 15, 2004 (incorporated by reference to the Annual Report on Form 10-K (File No. 0-23971), filed with the Commission on March 16, 2005 and the Current Report on Form 8-K (File No. 0-23971) filed with the Commission on November 20, 2008)                                                                                                                                   |
|----------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                                                                                         |                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
| 10.28                                                                                        | Amended Director Retirement Agreement with Eugene R. Matthews, II dated March 15, 2004 (incorporated by reference to the Annual Report on Form 10-K (File No. 0-23971) filed with the Commission on March 16, 2005 and the Current Report on Form 8-K (File No. 0-23971) filed with the Commission on November 20, 2008)                                                                                                                               |
|                                                                                         |                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
| 10                                                                                           | Amended and Restated Declaration of Trust among Citizens South Banking Corporation, Wilmington Trust Company, as Delaware and Institutional Trustee, and the Administrative Trustees named therein, dated October 28, 2005 (incorporated by reference to the Current Report on Form 8-K (File No. 0-23971) filed with the Commission on November 3, 2005)                                                                                              |
|                                                                                         |                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
| 10.32                                                                                        | Citizens South Banking Corporation 2008 Equity Incentive Plan (incorporated herein by reference to the Appendix A of the Definitive Proxy Statement for the 2008 Annual Meeting of Stockholders, filed with the Commission on April 10, 2008)                                                                                                                                                                                                          |
|                                                                                         |                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
| 10.33                                                                                        | Letter Agreement, dated December 12, 2008, between Citizens South Banking Corporation and the United States Department of the Treasury, which includes the Securities Purchase Agreement-Standard Terms attached thereto, with respect to the issuance and sale of the Series A Preferred Stock and the Warrant (incorporated herein by reference to the Current Report on Form 8-K (File No. 0-23971) filed with the Commission on December 16, 2008) |
|                                                                                         |                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
| 14                                                                                           | Code of Ethics Policy (incorporated herein by reference to the policy maintained on Company’s website which is located at www.citizenssouth.com )                                                                                                                                                                                                                                                                                                |
|                                                                                         |                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
| 21                                                                                           | Subsidiaries of Registrant (incorporated herein by reference to the Registration Statement on Form S-1 (File No. 333-91498), originally filed with the Commission on June 28, 2002)                                                                                                                                                                                                                                                                    |
|                                                                                         |                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
| 24                | Power of Attorney (set forth on signature page)                                                                                                                                                                                                                                                                                                                                                                                                        |
|                                                                                         |                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
| 31                                                                                           | Certification of Principal Executive Officer and Principal Financial Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002                                                                                                                                                                                                                                                                                                                 |
|                                                                                         |                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
| 32                                                                                           | Statement of Chief Executive Officer and Chief Financial Officer furnished pursuant to Section 906 of the Sarbanes-Oxley Act of 2002                                                                                                                                                                                                                                                                                                                   |

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Signatures