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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,
 Hw4adS/rIagMIJKhOYBxsSZNHsmdeAKczQvSmlPcrJpe+yyZYwXuxMMvMYqwHbN2
 gRCELOWSPpMTrHGDAQAs3A==

<SEC-DOCUMENT>0001209191-03-030771.txt : 20031117
<SEC-HEADER>0001209191-03-030771.hdr.sgml : 20031117
<ACCEPTANCE-DATETIME>20031117151909
ACCESSION NUMBER:		0001209191-03-030771
CONFORMED SUBMISSION TYPE:	3
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20031103
FILED AS OF DATE:		20031117

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:			LIUTKUS THERESE ANN
		CENTRAL INDEX KEY:			0001270305

	FILING VALUES:
		FORM TYPE:		3
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-25045
		FILM NUMBER:		031007879

	BUSINESS ADDRESS:	
		STREET 1:		PO BOX 345
		CITY:			WELLSVILLE
		STATE:			OH
		ZIP:			43968
		BUSINESS PHONE:		3305321517

	MAIL ADDRESS:	
		STREET 1:		PO BOX 345
		CITY:			WELLSVILLE
		STATE:			OH
		ZIP:			43968
</SEC-HEADER>
<DOCUMENT>
<TYPE>3
<SEQUENCE>1
<FILENAME>bcl04204_bcl1.xml
<DESCRIPTION>MAIN DOCUMENT DESCRIPTION
<TEXT>
<XML>
<?xml version="1.0"?><ownershipDocument><schemaVersion>X0201</schemaVersion>    <documentType>3</documentType><periodOfReport>2003-11-03</periodOfReport><noSecuritiesOwned>1</noSecuritiesOwned><issuer><issuerCik>0001070680</issuerCik><issuerName>CENTRAL FEDERAL CORP</issuerName>        <issuerTradingSymbol>GCFC</issuerTradingSymbol></issuer><reportingOwner><reportingOwnerId><rptOwnerCik>0001270305</rptOwnerCik><rptOwnerName>LIUTKUS THERESE ANN</rptOwnerName></reportingOwnerId><reportingOwnerAddress><rptOwnerStreet1>PO BOX 345</rptOwnerStreet1><rptOwnerStreet2></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>CFO</officerTitle></reportingOwnerRelationship></reportingOwner><ownerSignature><signatureName>/s/
 Therese Ann Liutkus</signatureName><signatureDate>2003-11-17</signatureDate></ownerSignature></ownershipDocument>

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