-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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MIC-Info: RSA-MD5,RSA,
 A/VRAidbnwQSgQUF6tbfAT2kktloZWNLX8YQHNQOa4ztntU0tf/avdxo3ztd+VuI
 nthN4DgL2g1LLpf7f1138Q==

<SEC-DOCUMENT>0001209191-03-019594.txt : 20030902
<SEC-HEADER>0001209191-03-019594.hdr.sgml : 20030901
<ACCEPTANCE-DATETIME>20030902081527
ACCESSION NUMBER:		0001209191-03-019594
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030825
FILED AS OF DATE:		20030902

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:			VERNON DAVID C
		CENTRAL INDEX KEY:			0001256078

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-25045
		FILM NUMBER:		03875214

	BUSINESS ADDRESS:	
		STREET 1:		P O BOX 345
		STREET 2:		C/O CENTRAL FEDERAL BANK
		CITY:			WELLSVILLE
		STATE:			OH
		ZIP:			43968
		BUSINESS PHONE:		3305321517
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>bcl02823_bcl1dcv.xml
<DESCRIPTION>MAIN DOCUMENT DESCRIPTION
<TEXT>
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</SEC-DOCUMENT>
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