UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20005
Form 13F
Form 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: 09/29/00
Check here if Amendment [ ]; Amendment Number: ____
This Amendment (Check only one.): [ ] is a restatement.
[ ] adds new holdings
entries.
Institutional Investment Manager Filing this Report:
Name: Charter Financial Group, Inc.
Address: 1401 I Street, NW
Suite 505
Washington, DC 20005
Form 13F File Number: 28-_05197__
The institutional investment manager filing this report and the
person by whom it is signed hereby represent that the person
signing the report is authorized to submit it, that all
information contained herein is true, correct and complete, and
that it is understood that all required items, statements,
schedules, lists, and tables, are considered integral parts of
this form.
Person Signing this Report on Behalf of Reporting Manager:
Name: Susan H. Stewart
Title: Chairman & President
Phone: (202)289-7443
Signature, Place, and Date of Signing:
Susan H. Stewart Washington, DC November 3,
2000
[Signature] [City, State] [Date]
Report Type (Check only one.):
[X] 13F HOLDINGS REPORT. (Check here if all holdings of this
reporting manager are reported in this report.)
[ ] 13F NOTICE. (Check here if no holdings reported are in this
report, and all holdings are reported by other reporting
manager(s).)
[ ] 13F COMBINATION REPORT. (Check here if a portion of the
holdings for this reporting manager are reported in this
report and a portion are reported by other reporting
manager(s).)
List of Other Managers Reporting for this Manager:
Form 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers:
Form 13F Information Table Entry Total: 43
Form 13F Information Table Value Total: $127099
(thousands)
List of Other Included Managers:
Provide a numbered list of the name(s) and Form 13F file
number(s) of all institutional investment managers with respect
to which this report is filed, other than the manager filing this
report.
NONE
<TABLE>
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER
VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN
CALL DSCRETN MANAGERS SOLE SHARED NONE
<C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
AT&T CORP. COM 001957109 454 15450 SH SOLE 0
0 15450
ALCOA INC. COM 013817101 3291 129991 SH SOLE 29800
0 100191
AMERICAN POWER CONVERSION COM 029066107 3710 193324 SH
SOLE 33400 0 159924
AMGEN INC COM 031162100 5299 75886 SH SOLE 17800
0 58086
BJ'S WHOLESALE CLUB COM 05548J106 4092 119919 SH SOLE
28500 0 91419
BOEING CO. COM 097023105 485 7700 SH SOLE 0 0
7700
CHASE MANHATTAN CORP. COM 16161A108 3479 75311 SH
SOLE 17700 0 57611
CHUBB CORP. COM 171232101 4028 50910 SH SOLE
10400 0 40510
CISCO SYSTEMS, INC. COM 17275R102 5080 91941 SH SOLE
14600 0 77341
CITIGROUP INC. COM 172967101 970 17933 SH SOLE
0 0 17933
COASTAL CORP. COM 190441105 4851 65440 SH SOLE
11200 0 54240
COSTCO WHOLESALE CORP. COM 22160K105 470 13460 SH
SOLE 0 0 13460
DANAHER CORP. COM 235851102 4437 89191 SH SOLE
18300 0 70891
DELL COMPUTER CORP. COM 247025109 2485 80633 SH SOLE
14560 0 66073
DUKE ENERGY CORP. COM 264399106 274 3200 SH SOLE
0 0 3200
EMC CORP. COM 268648102 4730 47712 SH SOLE 9500
0 38212
ELI LILLY & CO. COM 532457108 4843 59697 SH SOLE
11660 0 48037
ENDESA SPONSORED ADR COM 29258N107 3085 164510 SH SOLE
38000 0 126510
FANNIE MAE COM 313586109 229 3200 SH SOLE 0
0 3200
FLEET BOSTON FINANCIAL CORP. COM 339030108 4127 105808 SH
SOLE 22800 0 83008
GENERAL ELECTRIC COMPANY COM 369604103 4742 82191 SH
SOLE 14400 0 67791
HEWLETT-PACKARD CO. COM 428236103 247 2250 SH SOLE
0 0 2250
IBM INC. COM 459200101 326 2900 SH SOLE 0 0
2900
JOHNSON & JOHNSON COM 478160104 4528 48204 SH SOLE
8300 0 39904
LEHMAN BROTHERS HOLDINGS INC. COM 524908100 5270 35666 SH
SOLE 6200 0 29466
LIBERATE TECHNOLOGIES COM 530129105 313 10802 SH
SOLE 0 0 10802
LUCENT TECHNOLOGIES INC. COM 549463107 2812 91995 SH
SOLE 18800 0 73195
MERCK & CO., INC. COM 589331107 4484 60237 SH SOLE
13200 0 47037
MOTOROLA INC. COM 620076109 343 2350 SH SOLE 0
0 2350
NORSK HYDRO A/S SPONS ADR COM 656531605 3998 94484 SH
SOLE 24000 0 70484
OMNICOM GROUP COM 681919106 3354 45979 SH SOLE
10100 0 35879
PFIZER INC. COM 717081103 397 8837 SH SOLE 0
0 8837
PROCTOR & GAMBLE CO. COM 742718109 4197 62640 SH SOLE
13500 0 49140
QUALCOMM INC. COM 747525103 4644 65182 SH SOLE
13400 0 51782
SAFEWAY INC. COM 786514208 3793 81232 SH SOLE
16700 0 64532
STAPLES, INC. COM 855030102 3611 254542 SH SOLE
68400 0 186142
STRYKER CORP. COM 863667101 3516 81892 SH SOLE
18000 0 63892
SUN MICROSYSTEMS, INC. COM 866810104 2148 18400 SH
SOLE 0 0 18400
TYCO INTERNATIONAL LTD. COM 902124106 3798 73205 SH
SOLE 14500 0 58705
UNISYS CORP. COM 909214108 2804 249230 SH SOLE
58000 0 191230
WELLS FARGO CO. COM 949746101 216 4700 SH SOLE 0
0 4700
WORLDCOM INC. COM 98157D106 4383 144309 SH SOLE
26300 0 118009
YAHOO! INC. COM 984332106 2756 30286 SH SOLE
6600 0 23686
</TABLE>
