Initial Statement of Beneficial Ownership (3)

FORM 3	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES	OMB APPROVAL OMB Number: 3235-0104 Estimated average burden hours per response... 0.5
	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)
1. Title of Derivate Security (Instr. 4)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	4. Conversion or Exercise Price of Derivative Security		6. Nature of Indirect Beneficial Ownership (Instr. 5)
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
Reporting Owner Name / Address	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.