Item 2.02 Results of Operations and Financial Condition

On October 20, 2008, Citizens South Banking Corporation issued a press release to announce its results of operations for the three and nine-month periods ended September 30, 2008 and 2007. The text of the press release and related financial supplements are included as Exhibit 99.1 to this report. The information included in the text and financial supplements of the press releases is considered to be "furnished" under the Securities Exchange Act of 1934. The Company will include final financial statements and additional analyses for the three and nine-month periods ended September 30, 2008 and 2007, as part of its Form 10-Q covering that period.