-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 TKv3w1cVMfX89j2+svhBPmQeW1EIOMi4SI5SmJ8nlaYlTF/Vntpkxo2IfOs/4xQF
 pc5KWjFukfYI6sH6Nnjnjg==

<SEC-DOCUMENT>9999999997-02-022306.txt : 20020416
<SEC-HEADER>9999999997-02-022306.hdr.sgml : 20020416
<PAPER>
ACCESSION NUMBER:		9999999997-02-022306
CONFORMED SUBMISSION TYPE:	ARS
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20010930
FILED AS OF DATE:		20020409

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CHARTER FINANCIAL CORP
		CENTRAL INDEX KEY:			0000019399
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				042799529
		STATE OF INCORPORATION:			MA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		ARS
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-11511
		FILM NUMBER:		02029978

	BUSINESS ADDRESS:	
		STREET 1:		5 WHITTIER ST
		CITY:			FRAMINGHAM
		STATE:			MA
		ZIP:			01701
		BUSINESS PHONE:		6178798200
</SEC-HEADER>
<DOCUMENT>
<TYPE>ARS
<SEQUENCE>1
<FILENAME>9999999997-02-022306.paper
<DESCRIPTION>AUTO-GENERATED PAPER DOCUMENT
<TEXT>
This document was generated as part of a paper submission.
Please reference the Document Control Number 02029978 for access to the original document.
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----