UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                    FORM 13F

                               FORM 13F COVER PAGE

Report for the Calendar Year or Quarter Ended: 06/30/12
                                               -----------------------

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:         SCBT Financial Corporation
                 -------------------------------
   Address:      ATTN: John C. Pollok
                 -------------------------------
                 520 Gervais Street
                 -------------------------------
                 Columbia, SC 29201-3046
                 -------------------------------

Form 13F File Number: 28-14854
                         ---------------------

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:    John C. Pollok
         -------------------------------------------
Title:   Senior Executive Vice President, CFO, & COO
         -------------------------------------------
Phone:   803-765-4628
         -------------------------------------------

Signature, Place, and Date of Signing:

        /s/ John C. Pollok               Columbia, SC        8/10/12
   -------------------------------    -----------------   -------------
           [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).)

I AM SIGNING THIS REPORT AS REQUIRED BY THE SECURITIES EXCHANGE ACT OF 1934.



                              FORM 13F SUMMARY PAGE

Report Summary:

Number of Other Included Managers:      1
                                        --------------------

Form 13F Information Table Entry Total: 135
                                        --------------------

Form 13F Information Table Value Total: $134,312
                                        --------------------
                                            (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.

    No.       Form 13F File Number         Name

    1         28-14894                     SCBT
    ------       -----------------         ---------------------------------



                           FORM 13F INFORMATION TABLE



                                                         VALUE  SHARES/ SH/ PUT/ INVSTMT OTHER     VOTING AUTHORITY
NAME OF ISSUER                 TITLE OF CLASS   CUSIP   (X1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE  SHARED NONE
------------------------------ -------------- --------- ------- ------- -------- ------- -------- ----- ------ -----
                                                                                  
ABBOTT LABS                    COMMON STOCK   002824100     722   11196 SH       SOLE    1        10571 0        625
ALTRIA GROUP INC               COMMON STOCK   02209S103     240    6958 SH       SOLE    1         6958 0          0
AMERICAN ELEC PWR INC          COMMON STOCK   025537101     252    6310 SH       SOLE    1         6310 0          0
AMERICAN EXPRESS CO            COMMON STOCK   025816109     550    9448 SH       SOLE    1         9448 0          0
AMGEN INC                      COMMON STOCK   031162100     275    3769 SH       SOLE    1         3319 0        450
APPLE INC                      COMMON STOCK   037833100    1052    1801 SH       SOLE    1         1711 0         90
AT & T INC                     COMMON STOCK   00206R102    1850   51888 SH       SOLE    1        51888 0          0
BANK AMER CORP                 COMMON STOCK   060505104     109   13316 SH       SOLE    1        13316 0          0
BB & T CORP                    COMMON STOCK   054937107     451   14604 SH       SOLE    1        13279 0       1325
BERKSHIRE HATHAWAY INC-CL A    COMMON STOCK   084670108     250       2 SH       SOLE    1            2 0          0
BERKSHIRE HATHAWAY INC-CL B    COMMON STOCK   084670702    1113   13361 SH       SOLE    1        13361 0          0
BOEING COMPANY                 COMMON STOCK   097023105     306    4121 SH       SOLE    1         4121 0          0
BRISTOL MYERS SQUIBB CO        COMMON STOCK   110122108    1776   49394 SH       SOLE    1        48119 0       1275
CENTURYLINK INC                COMMON STOCK   156700106     277    7014 SH       SOLE    1         7014 0          0
CHEVRON CORPORATION            COMMON STOCK   166764100    2774   26290 SH       SOLE    1        25940 0        350
CHUBB CORP                     COMMON STOCK   171232101     708    9729 SH       SOLE    1         9729 0          0
CISCO SYSTEMS INC              COMMON STOCK   17275R102     357   20792 SH       SOLE    1        20792 0          0
COCA COLA CO                   COMMON STOCK   191216100    2422   30982 SH       SOLE    1        30282 0        700
COLGATE PALMOLIVE CO           COMMON STOCK   194162103     201    1929 SH       SOLE    1         1929 0          0
CONAGRA FOODS INC              COMMON STOCK   205887102     365   14082 SH       SOLE    1        14082 0          0
CONOCOPHILLIPS                 COMMON STOCK   20825C104     535    9578 SH       SOLE    1         9578 0          0
CSX CORPORATION                COMMON STOCK   126408103     366   16380 SH       SOLE    1        16380 0          0
DISNEY WALT CO NEW             COMMON STOCK   254687106     342    7060 SH       SOLE    1         6110 0        950
DOMINION RES INC VA            COMMON STOCK   25746U109     364    6742 SH       SOLE    1         6742 0          0
DU PONT E I DE NEMOURS & CO    COMMON STOCK   263534109     339    6712 SH       SOLE    1         6312 0        400
DUKE ENERGY HOLDING CORP       COMMON STOCK   26441C105    1622   70324 SH       SOLE    1        68424 0       1900
ELI LILLY & CO.                COMMON STOCK   532457108     317    7384 SH       SOLE    1         7384 0          0
EMC CORP/MASS                  COMMON STOCK   268648102     201    7850 SH       SOLE    1         7850 0          0
EMERSON ELECTRIC               COMMON STOCK   291011104     666   14305 SH       SOLE    1        14305 0          0
EXXON MOBIL CORP               COMMON STOCK   30231G102    3350   39146 SH       SOLE    1        38771 0        375
FEDEX CORPORATION              COMMON STOCK   31428X106     216    2361 SH       SOLE    1         1891 0        470
FRONTIER COMMUNICATIONS CORP   COMMON STOCK   35906A108      70   18305 SH       SOLE    1        18305 0          0
GENERAL ELECTRIC CORP          COMMON STOCK   369604103    1666   79944 SH       SOLE    1        77644 0       2300
GENERAL MLS INC                COMMON STOCK   370334104     535   13890 SH       SOLE    1        13890 0          0
GOOGLE INC-CL A                COMMON STOCK   38259P508     209     361 SH       SOLE    1          301 0         60
HEINZ H J CO                   COMMON STOCK   423074103     606   11146 SH       SOLE    1        11146 0          0
HOME DEPOT INC                 COMMON STOCK   437076102     383    7228 SH       SOLE    1         7228 0          0
INTEL CORP                     COMMON STOCK   458140100    1422   53372 SH       SOLE    1        51672 0       1700
INTL. BUSINESS MACHINES CORP   COMMON STOCK   459200101    2361   12073 SH       SOLE    1        11823 0        250
JOHNSON & JOHNSON              COMMON STOCK   478160104    5267   77958 SH       SOLE    1        77958 0          0
JP MORGAN CHASE & CO           COMMON STOCK   46625H100     376   10511 SH       SOLE    1        10511 0          0
KIMBERLY-CLARK CORP            COMMON STOCK   494368103    1161   13859 SH       SOLE    1        13859 0          0
KRAFT FOODS INC-A              COMMON STOCK   50075N104     659   17069 SH       SOLE    1        17069 0          0
LOUISIANA PAC CORP COM         COMMON STOCK   546347105     500   46000 SH       SOLE    1        46000 0          0
M & T BK CORP                  COMMON STOCK   55261F104     211    2559 SH       SOLE    1         2559 0          0
MCDONALDS CORP                 COMMON STOCK   580135101    1058   11951 SH       SOLE    1        11951 0          0
MCKESSON CORP. COMMON STOCK    COMMON STOCK   58155Q103     202    2159 SH       SOLE    1         2159 0          0
MERCK & CO INC                 COMMON STOCK   58933Y105     939   22492 SH       SOLE    1        21342 0       1150
MICROSOFT CORP                 COMMON STOCK   594918104    1541   50368 SH       SOLE    1        48918 0       1450
NEXTERA ENERGY INC             COMMON STOCK   65339F101     571    8291 SH       SOLE    1         8291 0          0
NORFOLK SOUTHERN CORP          COMMON STOCK   655844108     224    3122 SH       SOLE    1         2597 0        525
OCCIDENTAL PETE CORP           COMMON STOCK   674599105     376    4382 SH       SOLE    1         4382 0          0




                           FORM 13F INFORMATION TABLE



                                                         VALUE  SHARES/ SH/ PUT/ INVSTMT OTHER     VOTING AUTHORITY
NAME OF ISSUER                 TITLE OF CLASS   CUSIP   (X1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE  SHARED NONE
------------------------------ -------------- --------- ------- ------- -------- ------- -------- ----- ------ -----
                                                                                 
ORACLE CORPORATION COM         COMMON STOCK   68389X105     523   17616 SH       SOLE    1        16416 0       1200
PEPSICO INC                    COMMON STOCK   713448108     890   12601 SH       SOLE    1        12601 0          0
PFIZER INC                     COMMON STOCK   717081103     789   34291 SH       SOLE    1        32391 0       1900
PHILIP MORRIS INTERNATIONAL    COMMON STOCK   718172109     989   11331 SH       SOLE    1        11331 0          0
PIEDMONT NAT GAS INC COM       COMMON STOCK   720186105     456   14178 SH       SOLE    1        14178 0          0
PPL CORPORATION                COMMON STOCK   69351T106     225    8081 SH       SOLE    1         8081 0          0
PRAXAIR INC                    COMMON STOCK   74005P104     249    2292 SH       SOLE    1         2292 0          0
PROCTER & GAMBLE COMPANY       COMMON STOCK   742718109    1844   30101 SH       SOLE    1        29351 0        750
PROGRESS ENERGY INC            COMMON STOCK   743263105     779   12947 SH       SOLE    1        12947 0          0
QUALCOMM INC                   COMMON STOCK   747525103     311    5593 SH       SOLE    1         4968 0        625
REYNOLDS AMERICA               COMMON STOCK   761713106     337    7519 SH       SOLE    1         7519 0          0
ROSS STORES INC COM            COMMON STOCK   778296103     385    6168 SH       SOLE    1         6168 0          0
SCANA CORP                     COMMON STOCK   80589M102     868   18135 SH       SOLE    1        18135 0          0
SCBT FINL CORP                 COMMON STOCK   78401V102     896   25413 SH       SOLE    1            0 0      25413
SONOCO PRODUCTS CO             COMMON STOCK   835495102     874   28991 SH       SOLE    1        28991 0          0
SOUTHERN CO                    COMMON STOCK   842587107    1655   35743 SH       SOLE    1        35743 0          0
SPECTRA ENERGY CORP            COMMON STOCK   847560109     206    7091 SH       SOLE    1         7091 0          0
STARBUCKS CORP                 COMMON STOCK   855244109     321    6014 SH       SOLE    1         5014 0       1000
STRYKER CORP                   COMMON STOCK   863667101     304    5514 SH       SOLE    1         5514 0          0
TARGET CORP                    COMMON STOCK   87612E106     208    3575 SH       SOLE    1         3575 0          0
TEXAS INSTRUMENTS              COMMON STOCK   882508104     210    7337 SH       SOLE    1         7337 0          0
TJX COMPANIES                  COMMON STOCK   872540109     249    5792 SH       SOLE    1         5792 0          0
UNITED TECHNOLOGIES CORP       COMMON STOCK   913017109     632    8363 SH       SOLE    1         7813 0        550
VERIZON COMMUNICATIONS         COMMON STOCK   92343V104    1725   38819 SH       SOLE    1        37519 0       1300
WAL MART STORES INC            COMMON STOCK   931142103    1137   16310 SH       SOLE    1        15510 0        800
WELLS FARGO & CO               COMMON STOCK   949746101     283    8450 SH       SOLE    1         7250 0       1200
3M CO                          COMMON STOCK   88579Y101     700    7809 SH       SOLE    1         7359 0        450
ANHEUSER-BUSCH INBEV SPONS ADR COMMON STOCK   03524A108     241    3023 SH       SOLE    1         3023 0          0
DIAGEO PLC ADR                 COMMON STOCK   25243Q205     442    4287 SH       SOLE    1         4287 0          0
ENCANA CORP                    COMMON STOCK   292505104     225   10796 SH       SOLE    1        10796 0          0
NOVARTIS AG SPONSORED ADR      COMMON STOCK   66987V109     291    5202 SH       SOLE    1         5202 0          0
ROYAL DUTCH-ADR A              COMMON STOCK   780259206     861   12771 SH       SOLE    1        12771 0          0
TALISMAN ENERGY INC            COMMON STOCK   87425E103     173   15132 SH       SOLE    1        15132 0          0
UNILEVER PLC                   COMMON STOCK   904767704     443   13139 SH       SOLE    1        13139 0          0
VODAFONE GROUP ADR             COMMON STOCK   92857W209    1277   45320 SH       SOLE    1        45320 0          0
ACCENTURE PLC CL A             COMMON STOCK   G1151C101     215    3585 SH       SOLE    1         3585 0          0
BCE INC                        COMMON STOCK   05534B760    1177   28573 SH       SOLE    1        28573 0          0
TYCO INTERNATIONAL LTD         COMMON STOCK   H89128104     438    8296 SH       SOLE    1         8296 0          0
FIRST TRUST ISE-REV NAT GAS    OTHER          33734J102     610   37150 SH       SOLE    1         N.A. N.A.    N.A.
ISHARES DJ JONES U.S. TECHNOLO OTHER          464287721     236    3310 SH       SOLE    1         N.A. N.A.    N.A.
ISHARES DJ SELECT DIVIDEND IND OTHER          464287168     668   11883 SH       SOLE    1         N.A. N.A.    N.A.
ISHARES GOLD TRUST             OTHER          464285105     193   12402 SH       SOLE    1         N.A. N.A.    N.A.
ISHARES MSCI EAFE INDEX FUND   OTHER          464287465     260    5214 SH       SOLE    1         N.A. N.A.    N.A.
ISHARES MSCI EMERGING MARKETS  OTHER          464287234    1338   34198 SH       SOLE    1         N.A. N.A.    N.A.
ISHARES RUSSEL 2000 VALUE INDE OTHER          464287630     422    5998 SH       SOLE    1         N.A. N.A.    N.A.
ISHARES RUSSELL MIDCAP GRWTH   OTHER          464287481     503    8500 SH       SOLE    1         N.A. N.A.    N.A.
ISHARES RUSSELL MIDCAP INDEX F OTHER          464287499    2792   26504 SH       SOLE    1         N.A. N.A.    N.A.
ISHARES RUSSELL MIDCAP VALUE   OTHER          464287473     492   10617 SH       SOLE    1         N.A. N.A.    N.A.
ISHARES RUSSELL 1000 INDEX FUN OTHER          464287622     252    3354 SH       SOLE    1         N.A. N.A.    N.A.
ISHARES RUSSELL 1000 VALUE     OTHER          464287598    2801   41058 SH       SOLE    1         N.A. N.A.    N.A.




                           FORM 13F INFORMATION TABLE



                                                         VALUE  SHARES/ SH/ PUT/ INVSTMT OTHER     VOTING AUTHORITY
NAME OF ISSUER                 TITLE OF CLASS   CUSIP   (X1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE  SHARED NONE
------------------------------ -------------- --------- ------- ------- -------- ------- -------- ----- ------ -----
                                                                                  
ISHARES RUSSELL 2000 GROWTH IN OTHER          464287648     784    8570 SH       SOLE    1         N.A. N.A.    N.A.
ISHARES RUSSELL 2000 INDEX FUN OTHER          464287655    2248   28250 SH       SOLE    1         N.A. N.A.    N.A.
ISHARES S&P GLBL ENERGY SECT   OTHER          464287341    2247   61961 SH       SOLE    1         N.A. N.A.    N.A.
ISHARES S&P PREF STK           OTHER          464288687     208    5324 SH       SOLE    1         N.A. N.A.    N.A.
ISHARES S&P 500 INDEX FUND     OTHER          464287200    2689   19664 SH       SOLE    1         N.A. N.A.    N.A.
ISHARES TR RUSSELL 1000 GROWTH OTHER          464287614    4819   76220 SH       SOLE    1         N.A. N.A.    N.A.
JPMORGAN ALERIAN MLP INDEX FUN OTHER          46625H365     213    5484 SH       SOLE    1         N.A. N.A.    N.A.
MARKET VECTORS AGRIBUSINESS    OTHER          57060U605    1920   38728 SH       SOLE    1         N.A. N.A.    N.A.
MARKET VECTORS GOLD MINERS     OTHER          57060U100     259    5796 SH       SOLE    1         N.A. N.A.    N.A.
POWERSHARES BALANCED NFA GLOBA OTHER          73936Q504     174   13620 SH       SOLE    1         N.A. N.A.    N.A.
POWERSHARES H/Y EQ DVD ACHIEVE OTHER          73935X302     835   88994 SH       SOLE    1         N.A. N.A.    N.A.
POWERSHARES RIVERFRONT TACTICA OTHER          73936Q405     235   19482 SH       SOLE    1         N.A. N.A.    N.A.
POWERSHARES S&P 500 LOW VOLA   OTHER          73937B779    7858  284901 SH       SOLE    1         N.A. N.A.    N.A.
SPDR DOW JONES REIT ETF        OTHER          78464A607     257    3527 SH       SOLE    1         N.A. N.A.    N.A.
SPDR S&P 500 ETF TRUST         OTHER          78462F103     495    3637 SH       SOLE    1         N.A. N.A.    N.A.
UBS AG JERSEY BRH              OTHER          902641646     404   12715 SH       SOLE    1         N.A. N.A.    N.A.
VANGUARD DIVIDEND APPREC ETF   OTHER          921908844    2504   44169 SH       SOLE    1         N.A. N.A.    N.A.
VANGUARD INFO TECH ETF         OTHER          92204A702     429    6245 SH       SOLE    1         N.A. N.A.    N.A.
VANGUARD MSCI EMERGING MARKETS OTHER          922042858     718   17969 SH       SOLE    1         N.A. N.A.    N.A.
VANGUARD SMALL CAP VALUE ETF   OTHER          922908611     214    3137 SH       SOLE    1         N.A. N.A.    N.A.
VANGUARD UTILITIES ETF         OTHER          92204A876     287    3661 SH       SOLE    1         N.A. N.A.    N.A.
VANGUARD VALUE ETF             OTHER          922908744     203    3632 SH       SOLE    1         N.A. N.A.    N.A.
WISDOM TREE DIVIDEND EX-FINANC OTHER          97717W406    5396  100252 SH       SOLE    1         N.A. N.A.    N.A.
WISDOM TREE INTL DIVIDEND EX-F OTHER          97717W786    3246   85124 SH       SOLE    1         N.A. N.A.    N.A.
WISDOMTREE EMERGING MKTS S/C D OTHER          97717W281    1135   26203 SH       SOLE    1         N.A. N.A.    N.A.
WISDOMTREE MIDCAP DIVIDEND FD  OTHER          97717W505     460    8427 SH       SOLE    1         N.A. N.A.    N.A.
ISHARES BARCLAYS TIPS BOND FUN OTHER          464287176     386    3223 SH       SOLE    1         N.A. N.A.    N.A.
ISHARES BARCLAYS 1-3 YEAR TREA OTHER          464287457     498    5900 SH       SOLE    1         N.A. N.A.    N.A.
PIMCO INTERMEDIATE MUNICIPAL   OTHER          72201R866     709   13192 SH       SOLE    1         N.A. N.A.    N.A.
PIMCO SHORT TERM MUNICIPAL B   OTHER          72201R874    1914   37824 SH       SOLE    1         N.A. N.A.    N.A.
SPDR DB INTL GOV INFL-PROT     OTHER          78464A490     398    6758 SH       SOLE    1         N.A. N.A.    N.A.
VANGUARD SHORT TERM CORP BOND  OTHER          92206C409   10596  133877 SH       SOLE    1         N.A. N.A.    N.A.
WISDOMTREE EMRG MKTS DEBT      OTHER          97717X867     471    9295 SH       SOLE    1         N.A. N.A.    N.A.