Ownership Submission
FORM 3
 UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940
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(Print or Type Responses)
1. Name and Address of Reporting Person *
  KOLLAR CURTIS R
 2. Date of Event Requiring Statement (Month/Day/Year)
09/29/2010		 3. Issuer Name and Ticker or Trading Symbol
CHARTER FINANCIAL CORP/GA [CHFN]
(Last)
(First)
(Middle)
1233 O.G. SKINNER DRIVE		 4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
_____ Director _____ 10% Owner
__X__ Officer (give title below) _____ Other (specify below)
SVP and CFO
 5. If Amendment, Date Original Filed(Month/Day/Year)
(Street)

WEST POINT, GA 31833		 6. Individual or Joint/Group Filing(Check Applicable Line)
_X_ Form filed by One Reporting Person
___ Form filed by More than One Reporting Person
(City)
(State)
(Zip)
Table I - Non-Derivative Securities Beneficially Owned
1.Title of Security
(Instr. 4)		 2. Amount of Securities Beneficially Owned
(Instr. 4)		 3. Ownership Form: Direct (D) or Indirect (I)
(Instr. 5)		 4. Nature of Indirect Beneficial Ownership
(Instr. 5)
Common Stock 20,781
D
 
Common Stock 1,634
I
By Spouse's IRA
Common Stock 10,000
I
By Spouse's Living Trust
Common Stock 10,270
I
By IRA
Common Stock 9,193
I
By ESOP
Common Stock 22,299
I
By 401(k)
Common Stock 7,500
I
By Stock Award (1)

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly. SEC 1473 (7-02)
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Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security
(Instr. 4)		 2. Date Exercisable and Expiration Date
(Month/Day/Year)		 3. Title and Amount of Securities Underlying Derivative Security
(Instr. 4)		 4. Conversion or Exercise Price of Derivative Security 5. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 5)		 6. Nature of Indirect Beneficial Ownership
(Instr. 5)
Date Exercisable Expiration Date Title Amount or Number of Shares
Stock Option 01/27/2014 01/27/2019 Common Stock 31,875 (2) $ 11 D  
Stock Option 06/22/2015 06/22/2020 Common Stock 25,000 (3) $ 10.2 D  

Reporting Owners

Reporting Owner Name / Address Relationships
Director 10% Owner Officer Other
KOLLAR CURTIS R
1233 O.G. SKINNER DRIVE
WEST POINT, GA 31833		       SVP and CFO  

Signatures

/s/ Robert B. Pomerenk, Pursuant to Power of Attorney 10/01/2010
**Signature of Reporting Person Date

Explanation of Responses:

* If the form is filed by more than one reporting person, see Instruction 5(b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
(1) Restricted stock award of 7,500 shares granted to the reporting person on June 22, 2010 under the Charter Financial Corporation 2001 Recognition and Retention Plan. The stock will vest in 20% increments on an annual basis beginning on June 22, 2011.
(2) Options granted under the 2001 Charter Financial Corporation Stock Option Plan, which vest in five equal annual installments commencing on January 27, 2014.
(3) Options granted under the 2001 Charter Financial Corporation Stock Option Plan, of which 9,800 vest on June 22, 2015 and June 22, 2016, and 5,400 vest on June 22, 2017.

Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, See Instruction 6 for procedure.

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