CHARTER FINANCIAL INC

Beneficial ownership report for a passive holder of more than 5% (Schedule 13G)

Certification of termination of registration of a class of securities (Section 12(g))

General form for quarterly reports under Section 13 or 15(d)

Beneficial ownership report for a passive holder of more than 5% (Schedule 13G)

Beneficial ownership report for a passive holder of more than 5% (Schedule 13G)

Annual report pursuant to Section 13 or 15(d)

Beneficial ownership report for a holder of more than 5% (Schedule 13D)

Definitive Proxy Statement

5,7

General form for quarterly reports under Section 13 or 15(d)

General form for quarterly reports under Section 13 or 15(d)

General form for quarterly reports under Section 13 or 15(d) (amendment)

Beneficial ownership report for a passive holder of more than 5% (Schedule 13G)

General form for quarterly reports under Section 13 or 15(d)

5

Registration statement under Securities Act of 1933 to be offered to employees pursuant to certain plans

Annual report pursuant to Section 13 or 15(d)

Definitive Proxy Statement

Beneficial ownership report for a holder of more than 5% (Schedule 13D)

Current report pursuant to Section 13 or 15(d)

General form for quarterly reports under Section 13 or 15(d)

General form for quarterly reports under Section 13 or 15(d)