8-K

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) September 2, 2008

SOUND FINANCIAL, INC.

(Exact name of Registrant as specified in its Charter)

United States	000-52889	26-0776123
(State or other jurisdiction of incorporation)	(Commission File No.)	(IRS Employer Identification Number)

2005 5th Avenue, Second Floor, Seattle, Washington	98121
(Address of principal executive offices)	(Zip Code)

Registrant's telephone number, including area code: (206) 448-0884

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

On September 2, 2008, Sound Financial, Inc. issued a press release announcing a quarterly dividend of 4 cents per share.  A copy of the press release is attached as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated by reference herein.

Item 9.01  Financial Statements and Exhibits

(c)           The following exhibit is filed as part of this report.

Exhibit 99.1    Press Release dated September 2, 2008.

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 thereunto duly authorized.

	SOUND FINANCIAL, INC.
Date:   September 2, 2008	By:	/s/ Laura Lee Stewart
		Laura Lee Stewart       President and Chief Executive Officer

EXHIBIT INDEX

Exhibit Number	Description
99.1	Press Release, dated September 2, 2008

EX-99.1

NEWS RELEASE

Sound Financial Declares Second Quarter Dividend of $0.04 Per Share

Seattle, WA – September 2, 2008 – Sound Financial Inc. (OTCBB: SNFL), holding company for Sound Community Bank is pleased to announce that its Board of Directors has declared a regular quarterly cash dividend of $0.04 per common share. The dividend will be paid on September 30 to shareholders of record on September 15, 2008.

This is the second consecutive quarterly cash dividend paid to shareholders by Sound Financial since its initial public offering in January of 2008.

Sound Financial Inc. is the holding company for Sound Community Bank. Sound Community Bank is a full-service bank, providing personal and business banking services in communities across the greater Puget Sound region. The bank operates from offices in King, Pierce, Snohomish and Clallam Counties, and on the web at www.soundcb.com.

For additional information, please contact:

Media:

Scott Boyer

(206) 448-0884 x-312

Financial:

Matt Deines

(206) 448-0884 x-305

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