8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, DC 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):  August 13, 2012

CHARTER FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)

United States	001-34889	58-2659667
(State or other jurisdiction of	(Commission	(IRS Employer
incorporation or organization)	File Number)	Identification No.)

1233 O. G. Skinner Drive, West Point, Georgia	31833
(Address of principal executive offices)	(Zip Code)

Registrant’s telephone number, including area code:  (706) 645-1391

Not Applicable

(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:

[  ]  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))

Item 8.01       Other Events

The Board of Directors of Charter Financial Corporation approved the repurchase of up to 320,000 shares, or approximately 5%, of Charter Financial’s current outstanding common stock. Such plan will begin on August 14, 2012.

Item 9.01        Financial Statements and Exhibits

(d)                    Exhibits.

                         99.1 Press Release

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.

	CHARTER FINANCIAL CORPORATION
	(Registrant)
Date: August 13, 2012	By:	/s/ Curtis R. Kollar
		Curtis R. Kollar
		Senior Vice President and Chief Financial Officer

EX-99.1

Exhibit 99.1

  News Release

FOR IMMEDIATE RELEASE

Contact:	At Dresner Corporate Services
Robert L. Johnson, Chairman & CEO Curt Kollar, CFO	Steve Carr 312-780-7211
706-645-1391	scarr@dresnerco.com
bjohnson@charterbank.net or ckollar@charterbank.net

CHARTER FINANCIAL ANNOUNCES STOCK REPURCHASE PROGRAM

WEST POINT, Georgia, August 13, 2012—Charter Financial Corporation (NASDAQ: CHFN) announced today that the Board of Directors approved the repurchase of up to 320,000 shares, or approximately 5%, of Charter Financial’s current outstanding common stock.  With uncertainty about the ability of First Charter, MHC to waive the receipt of dividends due to changes in regulation or policy by the Federal Reserve Board, Charter Financial has determined that it is preferable to repurchase stock instead of paying dividends at the present time.  Any repurchases will be made through open market purchases, block trades, unsolicited negotiated transactions, pursuant to a 10b5-1 repurchase plan or any manner that complies with Rule 10b-18 of the Securities Exchange Act of 1934.  Repurchased shares will be held in treasury and will be available for general corporate purposes.

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