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

                                    FORM 13F

                               FORM 13F COVER PAGE

Report for the Calendar Year or Quarter Ended: 09/30/12
                                               -----------------------

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        11/09/12
   -------------------------------    -----------------   -------------
           [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: 137
                                        --------------------

Form 13F Information Table Value Total: $141,374
                                        --------------------
                                            (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 985     14367   SH       SOLE    1        13742 0      625
ALTRIA GROUP INC               COMMON STOCK   02209S103 241     7208    SH       SOLE    1        7208  0      0
AMERICAN ELEC PWR INC          COMMON STOCK   025537101 661     15046   SH       SOLE    1        15046 0      0
AMERICAN EXPRESS CO            COMMON STOCK   025816109 571     10042   SH       SOLE    1        10042 0      0
AMGEN INC                      COMMON STOCK   031162100 308     3659    SH       SOLE    1        3209  0      450
APPLE INC                      COMMON STOCK   037833100 1191    1785    SH       SOLE    1        1695  0      90
AT & T INC                     COMMON STOCK   00206R102 2007    53234   SH       SOLE    1        53234 0      0
BANK AMER CORP                 COMMON STOCK   060505104 112     12673   SH       SOLE    1        12673 0      0
BB & T CORP                    COMMON STOCK   054937107 865     26080   SH       SOLE    1        24755 0      1325
BERKSHIRE HATHAWAY INC-CL A    COMMON STOCK   084670108 265     2       SH       SOLE    1        2     0      0
BERKSHIRE HATHAWAY INC-CL B    COMMON STOCK   084670702 1390    15763   SH       SOLE    1        15763 0      0
BOEING COMPANY                 COMMON STOCK   097023105 288     4137    SH       SOLE    1        4137  0      0
BRISTOL MYERS SQUIBB CO        COMMON STOCK   110122108 1896    56186   SH       SOLE    1        56186 0      0
CF INDUSTRIES HOLDINGS INC     COMMON STOCK   125269100 221     995     SH       SOLE    1        995   0      0
CHEVRON CORPORATION            COMMON STOCK   166764100 3259    27958   SH       SOLE    1        27608 0      350
CHUBB CORP                     COMMON STOCK   171232101 895     11735   SH       SOLE    1        11735 0      0
CISCO SYSTEMS INC              COMMON STOCK   17275R102 297     15567   SH       SOLE    1        15567 0      0
COCA COLA CO                   COMMON STOCK   191216100 2445    64470   SH       SOLE    1        63070 0      1400
COLGATE PALMOLIVE CO           COMMON STOCK   194162103 204     1905    SH       SOLE    1        1905  0      0
COMCAST CORP-CL A              COMMON STOCK   20030N101 448     12522   SH       SOLE    1        12522 0      0
CONAGRA FOODS INC              COMMON STOCK   205887102 424     15376   SH       SOLE    1        15376 0      0
CONOCOPHILLIPS                 COMMON STOCK   20825C104 520     9090    SH       SOLE    1        9090  0      0
CSX CORPORATION                COMMON STOCK   126408103 343     16540   SH       SOLE    1        16540 0      0
DISNEY WALT CO NEW             COMMON STOCK   254687106 275     5260    SH       SOLE    1        4310  0      950
DOMINION RES INC VA            COMMON STOCK   25746U109 468     8848    SH       SOLE    1        8848  0      0
DU PONT E I DE NEMOURS & CO    COMMON STOCK   263534109 344     6838    SH       SOLE    1        6438  0      400
DUKE ENERGY CORP               COMMON STOCK   26441C204 2002    30905   SH       SOLE    1        30084 0      821
ELI LILLY & CO.                COMMON STOCK   532457108 316     6663    SH       SOLE    1        6663  0      0
EMC CORP/MASS                  COMMON STOCK   268648102 225     8234    SH       SOLE    1        8234  0      0
EMERSON ELECTRIC               COMMON STOCK   291011104 1002    20752   SH       SOLE    1        20752 0      0
EXPRESS SCRIPTS HLDG           COMMON STOCK   30219G108 212     3386    SH       SOLE    1        3386  0      0
EXXON MOBIL CORP               COMMON STOCK   30231G102 3993    43665   SH       SOLE    1        43290 0      375
FREEPORTMCMORAN COPPERAND GOLD COMMON STOCK   35671D857 561     14168   SH       SOLE    1        14168 0      0
FRONTIER COMMUNICATIONS CORP   COMMON STOCK   35906A108 76      15555   SH       SOLE    1        15555 0      0
GENERAL ELECTRIC CORP          COMMON STOCK   369604103 1796    79103   SH       SOLE    1        76803 0      2300
GENERAL MLS INC                COMMON STOCK   370334104 750     18811   SH       SOLE    1        18811 0      0
GOOGLE INC-CL A                COMMON STOCK   38259P508 518     686     SH       SOLE    1        626   0      60
HEINZ H J CO                   COMMON STOCK   423074103 579     10345   SH       SOLE    1        10345 0      0
HOME DEPOT INC                 COMMON STOCK   437076102 432     7148    SH       SOLE    1        7148  0      0
INTEL CORP                     COMMON STOCK   458140100 1060    46767   SH       SOLE    1        45067 0      1700
INTL. BUSINESS MACHINES CORP   COMMON STOCK   459200101 2626    12657   SH       SOLE    1        12407 0      250
JOHNSON & JOHNSON              COMMON STOCK   478160104 5429    78791   SH       SOLE    1        78791 0      0
JP MORGAN CHASE & CO           COMMON STOCK   46625H100 374     9228    SH       SOLE    1        9228  0      0
KIMBERLY-CLARK CORP            COMMON STOCK   494368103 1150    13405   SH       SOLE    1        13405 0      0
KINDER MORGAN INC              COMMON STOCK   49456B101 478     13445   SH       SOLE    1        13445 0      0
KRAFT FOODS INC-A              COMMON STOCK   50075N104 645     15602   SH       SOLE    1        15602 0      0
LOUISIANA PAC CORP COM         COMMON STOCK   546347105 575     46000   SH       SOLE    1        46000 0      0
M & T BK CORP                  COMMON STOCK   55261F104 248     2602    SH       SOLE    1        2602  0      0
MASTERCARD INC-A               COMMON STOCK   57636Q104 313     694     SH       SOLE    1        694   0      0
MCDONALDS CORP                 COMMON STOCK   580135101 1042    11357   SH       SOLE    1        11357 0      0
MERCK & CO INC                 COMMON STOCK   58933Y105 608     13492   SH       SOLE    1        12342 0      1150
MICROSOFT CORP                 COMMON STOCK   594918104 1769    59430   SH       SOLE    1        57980 0      1450




                           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
------------------------------ -------------- --------- ------- ------- -------- ------- -------- ----- ------ -----
                                                                                 
MOLSON COORS-B                 COMMON STOCK   60871R209 229     5087    SH       SOLE    1        5087  0      0
NEXTERA ENERGY INC             COMMON STOCK   65339F101 489     6947    SH       SOLE    1        6947  0      0
NORFOLK SOUTHERN CORP          COMMON STOCK   655844108 215     3372    SH       SOLE    1        2847  0      525
OCCIDENTAL PETE CORP           COMMON STOCK   674599105 274     3179    SH       SOLE    1        3179  0      0
ORACLE CORPORATION COM         COMMON STOCK   68389X105 581     18455   SH       SOLE    1        17255 0      1200
PARKER HANNIFIN CORP COM       COMMON STOCK   701094104 213     2549    SH       SOLE    1        2549  0      0
PEPSICO INC                    COMMON STOCK   713448108 852     12037   SH       SOLE    1        12037 0      0
PFIZER INC                     COMMON STOCK   717081103 815     32786   SH       SOLE    1        30886 0      1900
PHILIP MORRIS INTERNATIONAL    COMMON STOCK   718172109 1122    12474   SH       SOLE    1        12474 0      0
PIEDMONT NAT GAS INC COM       COMMON STOCK   720186105 423     13028   SH       SOLE    1        13028 0      0
PRAXAIR INC                    COMMON STOCK   74005P104 248     2392    SH       SOLE    1        2392  0      0
PROCTER & GAMBLE COMPANY       COMMON STOCK   742718109 2332    33615   SH       SOLE    1        32865 0      750
QUALCOMM INC                   COMMON STOCK   747525103 809     12950   SH       SOLE    1        12325 0      625
REYNOLDS AMERICA               COMMON STOCK   761713106 259     5969    SH       SOLE    1        5969  0      0
ROSS STORES INC COM            COMMON STOCK   778296103 379     5861    SH       SOLE    1        5861  0      0
SCANA CORP                     COMMON STOCK   80589M102 972     20135   SH       SOLE    1        20135 0      0
SCBT FINL CORP                 COMMON STOCK   78401V102 1153    28616   SH       SOLE    1        3846  0      24770
SONOCO PRODUCTS CO             COMMON STOCK   835495102 899     29000   SH       SOLE    1        29000 0      0
SOUTHERN CO                    COMMON STOCK   842587107 1584    34374   SH       SOLE    1        34172 0      202
SPECTRA ENERGY CORP            COMMON STOCK   847560109 335     11411   SH       SOLE    1        11129 0      282
STRYKER CORP                   COMMON STOCK   863667101 272     4882    SH       SOLE    1        4882  0      0
TARGET CORP                    COMMON STOCK   87612E106 208     3275    SH       SOLE    1        3275  0      0
TJX COMPANIES                  COMMON STOCK   872540109 224     5012    SH       SOLE    1        5012  0      0
UNITED TECHNOLOGIES CORP       COMMON STOCK   913017109 646     8250    SH       SOLE    1        7700  0      550
V F CORP                       COMMON STOCK   918204108 414     2595    SH       SOLE    1        2595  0      0
VALERO ENERGY CORP             COMMON STOCK   91913Y100 255     8035    SH       SOLE    1        4031  0      4004
VERIZON COMMUNICATIONS         COMMON STOCK   92343V104 1753    38458   SH       SOLE    1        36808 0      1650
VISA INC                       COMMON STOCK   92826C839 377     2806    SH       SOLE    1        2481  0      325
WAL MART STORES INC            COMMON STOCK   931142103 1155    15648   SH       SOLE    1        14848 0      800
WELLS FARGO & CO               COMMON STOCK   949746101 221     6400    SH       SOLE    1        5200  0      1200
WEYERHAEUSER CO                COMMON STOCK   962166104 430     16445   SH       SOLE    1        16445 0      0
3M CO                          COMMON STOCK   88579Y101 705     7625    SH       SOLE    1        7175  0      450
ANHEUSER-BUSCH INBEV SPONS ADR COMMON STOCK   03524A108 659     7665    SH       SOLE    1        7665  0      0
DIAGEO PLC ADR                 COMMON STOCK   25243Q205 598     5304    SH       SOLE    1        5130  0      174
ENCANA CORP                    COMMON STOCK   292505104 232     10572   SH       SOLE    1        10572 0      0
NOVARTIS AG SPONSORED ADR      COMMON STOCK   66987V109 345     5632    SH       SOLE    1        5632  0      0
ROYAL DUTCH-ADR A              COMMON STOCK   780259206 773     11130   SH       SOLE    1        11130 0      0
TALISMAN ENERGY INC            COMMON STOCK   87425E103 217     16294   SH       SOLE    1        16294 0      0
UNILEVER PLC                   COMMON STOCK   904767704 356     9749    SH       SOLE    1        9749  0      0
VODAFONE GROUP ADR             COMMON STOCK   92857W209 1541    54076   SH       SOLE    1        54076 0      0
ACCENTURE PLC CL A             COMMON STOCK   G1151C101 234     3335    SH       SOLE    1        3335  0      0
BCE INC                        COMMON STOCK   05534B760 1328    30212   SH       SOLE    1        30212 0      0
SCHLUMBERGER LTD               COMMON STOCK   806857108 220     3036    SH       SOLE    1        3036  0      0
TYCO INTERNATIONAL LTD         COMMON STOCK   H89128104 419     7446    SH       SOLE    1        7446  0      0
FIRST TRUST ISE-REV NAT GAS    OTHER          33734J102 949     54571   SH       SOLE    1        N.A.  N.A.   N.A.
ISHARES DJ JONES U.S. TECHNOLO OTHER          464287721 251     3310    SH       SOLE    1        N.A.  N.A.   N.A.
ISHARES DJ SELECT DIVIDEND IND OTHER          464287168 619     10740   SH       SOLE    1        N.A.  N.A.   N.A.
ISHARES GOLD TRUST             OTHER          464285105 231     13378   SH       SOLE    1        N.A.  N.A.   N.A.
ISHARES MSCI EMERGING MARKETS  OTHER          464287234 1605    38833   SH       SOLE    1        N.A.  N.A.   N.A.
ISHARES RUSSEL 2000 VALUE INDE OTHER          464287630 412     5569    SH       SOLE    1        N.A.  N.A.   N.A.
ISHARES RUSSELL MIDCAP GRWTH   OTHER          464287481 500     8042    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 MIDCAP INDEX F OTHER          464287499 2834    25593   SH       SOLE    1        N.A.  N.A.   N.A.
ISHARES RUSSELL MIDCAP VALUE   OTHER          464287473 504     10348   SH       SOLE    1        N.A.  N.A.   N.A.
ISHARES RUSSELL 1000 INDEX FUN OTHER          464287622 265     3331    SH       SOLE    1        N.A.  N.A.   N.A.
ISHARES RUSSELL 1000 VALUE     OTHER          464287598 3080    42670   SH       SOLE    1        N.A.  N.A.   N.A.
ISHARES RUSSELL 2000 GROWTH IN OTHER          464287648 774     8099    SH       SOLE    1        N.A.  N.A.   N.A.
ISHARES RUSSELL 2000 INDEX FUN OTHER          464287655 2393    28681   SH       SOLE    1        N.A.  N.A.   N.A.
ISHARES S&P GLBL ENERGY SECT   OTHER          464287341 2664    67739   SH       SOLE    1        N.A.  N.A.   N.A.
ISHARES S&P PREF STK           OTHER          464288687 216     5424    SH       SOLE    1        N.A.  N.A.   N.A.
ISHARES S&P 500 INDEX FUND     OTHER          464287200 1966    13616   SH       SOLE    1        N.A.  N.A.   N.A.
ISHARES TR RUSSELL 1000 GROWTH OTHER          464287614 5050    75706   SH       SOLE    1        N.A.  N.A.   N.A.
JPMORGAN ALERIAN MLP INDEX FUN OTHER          46625H365 230     5684    SH       SOLE    1        N.A.  N.A.   N.A.
MARKET VECTORS AGRIBUSINESS    OTHER          57060U605 2135    41222   SH       SOLE    1        N.A.  N.A.   N.A.
MARKET VECTORS GOLD MINERS     OTHER          57060U100 434     8091    SH       SOLE    1        N.A.  N.A.   N.A.
POWERSHARES H/Y EQ DVD ACHIEVE OTHER          73935X302 841     86994   SH       SOLE    1        N.A.  N.A.   N.A.
POWERSHARES S&P 500 LOW VOLA   OTHER          73937B779 7532    267377  SH       SOLE    1        N.A.  N.A.   N.A.
SPDR DOW JONES REIT ETF        OTHER          78464A607 228     3174    SH       SOLE    1        N.A.  N.A.   N.A.
SPDR S&P 500 ETF TRUST         OTHER          78462F103 416     2887    SH       SOLE    1        N.A.  N.A.   N.A.
UBS AG JERSEY BRH              OTHER          902641646 327     9600    SH       SOLE    1        N.A.  N.A.   N.A.
VANGUARD DIVIDEND APPREC ETF   OTHER          921908844 2381    39903   SH       SOLE    1        N.A.  N.A.   N.A.
VANGUARD INFO TECH ETF         OTHER          92204A702 426     5804    SH       SOLE    1        N.A.  N.A.   N.A.
VANGUARD MSCI EMERGING MARKETS OTHER          922042858 624     14964   SH       SOLE    1        N.A.  N.A.   N.A.
VANGUARD SMALL CAP VALUE ETF   OTHER          922908611 237     3296    SH       SOLE    1        N.A.  N.A.   N.A.
VANGUARD UTILITIES ETF         OTHER          92204A876 285     3661    SH       SOLE    1        N.A.  N.A.   N.A.
VANGUARD VALUE ETF             OTHER          922908744 226     3848    SH       SOLE    1        N.A.  N.A.   N.A.
WISDOM TREE DIVIDEND EX-FINANC OTHER          97717W406 6039    107150  SH       SOLE    1        N.A.  N.A.   N.A.
WISDOM TREE INTL DIVIDEND EX-F OTHER          97717W786 3563    88991   SH       SOLE    1        N.A.  N.A.   N.A.
WISDOMTREE EMERGING MKTS S/C D OTHER          97717W281 1182    25784   SH       SOLE    1        N.A.  N.A.   N.A.
WISDOMTREE MIDCAP DIVIDEND FD  OTHER          97717W505 455     8009    SH       SOLE    1        N.A.  N.A.   N.A.
ISHARES BARCLAYS TIPS BOND FUN OTHER          464287176 392     3223    SH       SOLE    1        N.A.  N.A.   N.A.
PIMCO INTERMEDIATE MUNICIPAL   OTHER          72201R866 779     14293   SH       SOLE    1        N.A.  N.A.   N.A.
PIMCO SHORT TERM MUNICIPAL B   OTHER          72201R874 2022    40045   SH       SOLE    1        N.A.  N.A.   N.A.
SPDR DB INTL GOV INFL-PROT     OTHER          78464A490 314     5070    SH       SOLE    1        N.A.  N.A.   N.A.
VANGUARD SHORT TERM CORP BOND  OTHER          92206C409 8055    100274  SH       SOLE    1        N.A.  N.A.   N.A.
WISDOMTREE EMRG MKTS DEBT      OTHER          97717X867 476     9095    SH       SOLE    1        N.A.  N.A.   N.A.