UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
Form 13F
Form 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: 12/31/99
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-____________
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 February 1, 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:
<TABLE>
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/PUT/INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000)PRN AMT PRNCALLDSCRETN MANAGERS SOLE SHARED NONE
<S> <C> <S> <C> <C> <C> <S> <C> <C> <C>
AT&T CORP. COM 001957109 785 15450 SH SOLE 0 0 15450
AIRBORNE FREIGHT CORP. COM 009266107 1649 74940 SH SOLE 12500 0 62440
ALCOA INC. COM 013817101 274 3300 SH SOLE 0 0 3300
AMERICAN POWER CONVERSION COM 029066107 4890 185409 SH SOLE 19100 0 166309
BJ'S WHOLESALE CLUB COM 05548J106 3411 93454 SH SOLE 10000 0 83454
BANK OF AMERICA CORP. COM 060505104 2234 44517 SH SOLE 4900 0 39617
BED BATH & BEYOND COM 075896100 3367 96883 SH SOLE 10400 0 86483
CHUBB CORP. COM 171232101 2694 47840 SH SOLE 6200 0 41640
CISCO SYSTEMS, INC. COM 17275R102 7914 73875 SH SOLE 6200 0 67675
CITIGROUP INC. COM 172967101 749 13450 SH SOLE 0 0 13450
COASTAL CORP. COM 190441105 2981 84115 SH SOLE 9300 0 74815
COSTCO WHOLESALE CORP. COM 22160K105 582 6380 SH SOLE 0 0 6380
DELL COMPUTER CORP. COM 247025109 5411 106105 SH SOLE 10800 0 95305
E*TRADE GROUP, INC. COM 269246104 2587 99007 SH SOLE 10750 0 88257
ELI LILLY & CO. COM 532457108 3202 48150 SH SOLE 5300 0 42850
FLEET BOSTON FINANCIAL CORP. COM 339030108 2699 77525 SH SOLE 8195 0 69330
FORD MOTOR COMPANY COM 345370100 3516 65953 SH SOLE 6900 0 59053
GENERAL ELECTRIC COMPANY COM 369604103 5096 32929 SH SOLE 3600 0 29329
GENERAL MOTORS CORP. COM 370442105 218 3000 SH SOLE 0 0 3000
HAYES LEMMERZ INTL., INC. COM 420781106 418 23958 SH SOLE 0 0 23958
HEWLETT-PACKARD COMPANY COM 428236103 256 2250 SH SOLE 0 0 2250
JOHNSON & JOHNSON COM 478160104 3538 37936 SH SOLE 4100 0 33836
LUCENT TECHNOLOGIES INC. COM 549463107 4390 58532 SH SOLE 6300 0 52232
MERCK & CO., INC. COM 589331107 3229 48061 SH SOLE 5500 0 42561
MOTOROLA, INC. COM 620076109 346 2350 SH SOLE 0 0 2350
OMNICOM GROUP COM 681919106 2286 22860 SH SOLE 3200 0 19660
SBC COMMUNICATIONS INC. COM 78387G103 3268 67038 SH SOLE 7238 0 59800
SAFEWAY INC. COM 786514208 2796 78218 SH SOLE 8800 0 69418
STAPLES, INC. COM 855030102 2547 122764 SH SOLE 13400 0 109364
SUN MICROSYSTEMS, INC. COM 866810104 7993 103221 SH SOLE 7800 0 95421
TEXAS UTILITIES CO. COM 882848104 2520 70875 SH SOLE 8400 0 62475
TIME WARNER INC. COM 887315109 296 4100 SH SOLE 0 0 4100
TRUE NORTH COMMUNICATIONS INC. COM 897844106 2712 60704 SH SOLE 7000 0 53704
UNISYS CORP. COM 909214108 3838 120180 SH SOLE 13500 0 106680
WARNER-LAMBERT CO. COM 934488107 249 3050 SH SOLE 0 0 3050
YAHOO! INC. COM 984332106 7833 18105 SH SOLE 1950 0 16155
</TABLE>
