SEC FORM 3

SEC Form 3

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
or Section 30(h) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person^*

DARDEN JANE W

(Last)

(First)

(Middle)

1233 O.G. SKINNER DRIVE

(Street)

WEST POINT

31833

(City)

(State)

(Zip)

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 ]

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director	10% Owner
	Officer (give title below)	Other (specify below)

5. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

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	25,458	D
Common Stock	5,000	I	As Trustee for Trust
Common Stock	300	I	By Stock Award I⁽¹⁾
Common Stock	500	I	By Stock Award II⁽²⁾

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: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
1. Title of Derivative Security (Instr. 4)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
Stock Option	01/27/2014	01/27/2019	Common Stock	11,000⁽³⁾	$11	D
Stock Option	06/22/2015	06/22/2020	Common Stock	5,000⁽⁴⁾	$10.2	D

Explanation of Responses:

1. Shares granted to the reporting person on July 27, 2004 under the Charter Financial Corporation 2001 Recognition and Retention Plan. 100, 100 and 100 restricted stock awards will vest on July 27, 2011, July 27, 2012 and July 27, 2013, respectively.

2. Restricted stock award of 500 shares granted to the reporting person on June 22, 2010 under the Charter Financial Corporation 2001 Recognition and Retention Plan. This award will vest on June 22, 2011.

3. Options granted under the 2001 Charter Financial Corporation Stock Option Plan, which vest in five equal annual installments commencing on January 27, 2014.

4. Options granted under the 2001 Charter Financial Corporation Stock Option Plan, which vest in five equal annual installments commencing on June 22, 2015.

Remarks:

	/s/ Robert B. Pomerenk, Pursuant to Power of Attorney	10/01/2010
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* 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).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.