FORM 3
        
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

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Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934 or Section 30(h) of the Investment Company Act of 1940
                      

1. Name and Address of Reporting Person *

Walter Patricia L.

2. Date of Event Requiring Statement (MM/DD/YYYY)
7/7/2015 

3. Issuer Name and Ticker or Trading Symbol

Cheviot Financial Corp. [CHEV]

(Last)        (First)        (Middle)

3723 GLENMORE AVENUE

4. Relationship of Reporting Person(s) to Issuer (Check all applicable)

_____ Director                            _____ 10% Owner
___ X ___ Officer (give title below)          _____ Other (specify below)
SVP Finance /

(Street)

CHEVIOT, OH 45211       

(City)              (State)              (Zip)
5. If Amendment, Date Original Filed (MM/DD/YYYY)

 

6. Individual or Joint/Group Filing (Check Applicable Line)

_ X _ Form filed by One Reporting Person
___ Form filed by More than One Reporting Person


Table I - Non-Derivative Securities Beneficially Owned
1.Title of Security
(Instr. 4) 		2. Amount of Securities Beneficially Owned
(Instr. 4) 		3. Ownership Form: Direct (D) or Indirect (I)
(Instr. 5) 		4. Nature of Indirect Beneficial Ownership
(Instr. 5)
Common Stock   3398   D    
Common Stock   2750   I   By IRA  
Common Stock   2750   I   By Spouse's IRA  
Common Stock   375   I   By Children  
Common Stock   17711   I   By 401(k)  
Common Stock   6185   I   By ESOP  

Table II - Derivative Securities Beneficially Owned ( e.g. , puts, calls, warrants, options, convertible securities)
1. Title of Derivate Security
(Instr. 4) 		2. Date Exercisable and Expiration Date
(MM/DD/YYYY) 		3. Title and Amount of Securities Underlying Derivative Security
(Instr. 4) 		4. Conversion or Exercise Price of Derivative Security 5. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 5) 		6. Nature of Indirect Beneficial Ownership
(Instr. 5)
Date Exercisable Expiration Date Title Amount or Number of Shares
Stock Options   5/23/2007   5/23/2016   Common Stock   686   $14.14   D    
Stock Options   5/22/2008   5/22/2017   Common Stock   686   $15.90   D    
Stock Options   5/20/2009   5/20/2018   Common Stock   686   $10.54   D    
Stock Options   5/19/2010   5/19/2019   Common Stock   686   $9.89   D    
Stock Options   5/18/2011   5/18/2020   Common Stock   686   $9.42   D    
Stock Options   6/21/2012   6/21/2021   Common Stock   686   (1) $10.55   D    
Stock Options   6/19/2013   6/19/2022   Common Stock   800   (2) $8.30   D    
Stock Options   7/15/2015   7/15/2024   Common Stock   36000   (3) $12.48   D    
Stock Options   5/4/2016   5/4/2025   Common Stock   5000   (4) $15.46   D    

Explanation of Responses:
( 1)  Options to purchase shares of common stock vest at a rate of 20% per year commencing on June 21, 2012.
( 2)  Options to purchase shares of common stock vest at a rate of 20% per year commencing on June 19, 2013.
( 3)  Options to purchase shares of common stock vest at a rate of 20% per year commencing on July 15, 2015.
( 4)  Options to purchase shares of common stock vest at a rate of 20% per year commencing on May 4, 2016.

Reporting Owners
Reporting Owner Name / Address
Relationships
Director 10% Owner Officer Other
Walter Patricia L.
3723 GLENMORE AVENUE
CHEVIOT, OH 45211

SVP Finance

Signatures
/s/ Patricia L. Walter 7/9/2015
** Signature of Reporting Person Date


Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5(b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB control number.
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