SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                    Form 8-K

                                 Current Report
                     Pursuant to Section 13 or 15(d) of the
                       Securities and Exchange Act of 1934

                          Date of Report: May 25, 2005


                       Citizens South Banking Corporation
               (Exact Name of Registrant as Specified in Charter)



         Delaware                        0-23971                  54-2069979
- ----------------------------      -----------------------     ----------------
(State or other jurisdiction      (Commission File Number)    (I.R.S. Employer
      of incorporation)                                      Identification No.)


519 South New Hope Road, Gastonia, North Carolina             28054-4040
- ---------------------------------------------------          ------------
(Address of Principal Executive Offices)                      (Zip Code)


Registrant's telephone number, including area code: 704-868-5200

Check  the  appropriate  box  below  if the  Form  8-K  filing  is  intended  to
simultaneously  satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

[ ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR
    230.425)

[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
    240.14a-12)

[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange
    Act (17 CFR 240.14d-2(b))

[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange
    Act (CFR 240.13e-4(c))












Item 1.01         Entry into a Material Definitive Agreement
                  ------------------------------------------

         As  previously  reported,  on May  25,  2005,  Citizens  South  Banking
Corporation ("Citizens South") entered into an Agreement and Plan of Merger (the
"Agreement") to acquire Trinity Bank, a North Carolina chartered bank located in
Monroe, North Carolina.

         A copy of the  Agreement  is being  filed as Exhibit 2 to this  Current
Report.

Item 9.01         Financial Statements and Exhibits
                  ---------------------------------

     Exhibit No.      Exhibit

         2            Agreement and Plan of Merger by and Among  Citizens  South
                      Banking Corporation Citizens South Bank and Trinity Bank
                      dated as of May 25, 2005









                                   SIGNATURES

         Pursuant to the  requirements  of the Securities  Exchange Act of 1934,
the  Registrant  has duly  caused  this report to be signed on its behalf by the
undersigned, hereunto duly authorized.

                                       CITIZENS SOUTH BANKING CORPORATION



DATE:  May 26, 2005                    By: /s/ Kim S. Price
                                           -------------------------------------
                                           Kim S. Price
                                           President and Chief Executive Officer


                                       By: /s/ Gary F. Hoskins
                                           -------------------------------------
                                           Gary F. Hoskins
                                           Chief Financial Officer