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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 CYrg3CUhOK3KP1XJ+4a2VeuYtoD24wKlkvtC3XnDtTukN1ho3/Fb2JFXRsznWK10
 TeCsjP8WBVyYK1oo6ZQ53A==

<SEC-DOCUMENT>0001209191-03-014023.txt : 20030728
<SEC-HEADER>0001209191-03-014023.hdr.sgml : 20030728
<ACCEPTANCE-DATETIME>20030728163546
ACCESSION NUMBER:		0001209191-03-014023
CONFORMED SUBMISSION TYPE:	3
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030616
FILED AS OF DATE:		20030728

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CENTRAL FEDERAL CORP
		CENTRAL INDEX KEY:			0001070680
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				341877137
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		C/O CENTRAL FEDERAL BANK
		STREET 2:		601 MAIN ST
		CITY:			WELLSVILLE
		STATE:			OH
		ZIP:			43968
		BUSINESS PHONE:		3305321517

	MAIL ADDRESS:	
		STREET 1:		C/O CENTRAL FEDERAL BANK
		STREET 2:		601 MAIN ST
		CITY:			WELLSVILLE
		STATE:			OH
		ZIP:			43968

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	GRAND CENTRAL FINANCIAL CORP
		DATE OF NAME CHANGE:	19980918

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			BAUMGARDNER EDWARD L
		CENTRAL INDEX KEY:			0001255439

	FILING VALUES:
		FORM TYPE:		3
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-25045
		FILM NUMBER:		03806388

	MAIL ADDRESS:	
		STREET 1:		46329 SEVILLE LANE
		CITY:			WAST LIVER POOL
		STATE:			OH
		ZIP:			43920
</SEC-HEADER>
<DOCUMENT>
<TYPE>3
<SEQUENCE>1
<FILENAME>bcl02132_bcl1elb.xml
<DESCRIPTION>MAIN DOCUMENT DESCRIPTION
<TEXT>
<XML>
<?xml version="1.0"?><ownershipDocument><schemaVersion>X0201</schemaVersion>    <documentType>3</documentType><periodOfReport>2003-06-16</periodOfReport><noSecuritiesOwned>1</noSecuritiesOwned><issuer><issuerCik>0001070680</issuerCik><issuerName>CENTRAL FEDERAL CORP</issuerName>        <issuerTradingSymbol>GCFC </issuerTradingSymbol></issuer><reportingOwner><reportingOwnerId><rptOwnerCik>0001255439</rptOwnerCik><rptOwnerName>BAUMGARDNER EDWARD L</rptOwnerName></reportingOwnerId><reportingOwnerAddress><rptOwnerStreet1>601 MAIN STREET</rptOwnerStreet1><rptOwnerStreet2>P.O.  BOX 345</rptOwnerStreet2><rptOwnerCity>WELLSVILLE</rptOwnerCity><rptOwnerState>OH</rptOwnerState><rptOwnerZipCode>43968</rptOwnerZipCode><rptOwnerStateDescription></rptOwnerStateDescription></reportingOwnerAddress><reportingOwnerRelationship><isDirector>0</isDirector><isOfficer>1</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther><officerTitle>Regional President</officerTitle></reportingOwnerRelationship></reportingOwner
><ownerSignature><signatureName>/s/ Edward L. Baumgardner</signatureName><signatureDate>2003-06-25</signatureDate></ownerSignature></ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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