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                       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: April 18, 2005

                       CITIZENS SOUTH BANKING CORPORATION
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               (Exact Name of Registrant as Specified in Charter)

             DELAWARE                    0-23971               54-2069979
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  (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
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          (Address of Principal Executive Offices)             (Zip Code)

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

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ITEM 2.02   RESULTS OF OPERATIONS AND FINANCIAL CONDITION

        On April 18, 2005, Citizens South Banking Corporation issued a press
release to announce its results of operations for the quarters ended March 31,
2005 and 2004. The text of the press release and related financial supplements
are included as Exhibit 99 (a) 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 quarters ended March
31, 2005 and 2004, as part of its Form 10-Q covering that period.

ITEM 9.01   FINANCIAL STATEMENTS AND EXHIBITS

99 Additional Exhibits:

         (a)      Earnings Press Release of Citizens South Banking Corporation



                                   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:  April 18, 2005                         By: /s/ Kim S. Price
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                                                  Kim S. Price
                                                  President and Chief Executive
                                                  Officer

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