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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 8-K
CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(d) OF
THE SECURITIES EXCHANGE ACT OF 1934
Date of Report (Date of earliest event reported): July 27, 2005
CHARTER FINANCIAL CORPORATION
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(Exact name of registrant as specified in its charter)
United States 000-33071 58-2659667
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(State or other jurisdiction (Commission (IRS Employer
of incorporation) File Number) Identification No.)
600 Third Avenue, West Point, Georgia 31833
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(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code: (706) 645-1391
Not Applicable
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(Former name or former address, if changed since last report.)
Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):
[ ] Written communications pursuant to Rule 425 under the Securities
Act (17 CFR 230.425)
[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange
Act (17 CFR 240.14a-12)
[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the
Exchange Act (17 CFR 240.14d-2(b))
[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the
Exchange Act (17 CFR 240.13e-4(c))
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ITEM 2.02 RESULTS OF OPERATIONS AND FINANCIAL CONDITION
On July 27, 2005, Charter Financial Corporation (the "Company")
announced its third quarter earnings for the 2005 fiscal year. A copy of the
press release dated July 27, 2005, describing third quarter earnings is attached
as Exhibit 99.1.
ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS
(c) The following exhibit is furnished with this Report:
Exhibit No. Description
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99.1 Press release issued by Charter Financial Corporation
(the "Company") on July 27, 2005 furnished in
accordance with Item 12 of this Current Report on
Form 8-K.
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 hereunto duly authorized.
Dated: July 27, 2005 CHARTER FINANCIAL CORPORATION
By: \s\Robert L. Johnson
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Name: Robert L. Johnson
Title: President and Chief Executive Officer
EXHIBIT INDEX
Exhibit No. Description
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99.1 Press release issued by the Company on July 27, 2005.