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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): November 9, 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.)
1233 O. G. Skinner Drive, 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 November 9, 2005, Charter Financial Corporation (the "Company")
announced its annual and fourth quarter earnings for the 2005 fiscal year. A
copy of the press release dated November 9, 2005, describing annual and fourth
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 November 9, 2005 furnished in
accordance with Item 2.02 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: November 10, 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 November 9, 2005.