<DOCUMENT>
<TYPE>EX-32.2
<SEQUENCE>6
<FILENAME>l01941aexv32w2.txt
<DESCRIPTION>EXHIBIT 32.2
<TEXT>
<PAGE>


                           CENTRAL FEDERAL CORPORATION
                                     Ex-32.2
                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002


In connection with the Quarterly Report of Central Federal Corporation (the
"Corporation") on Form 10-QSB for the quarter ended June 30, 2003, as filed with
the Securities and Exchange Commission on the date hereof (the "Report"), I,
Kelley L. Nanna, CPA, Treasurer of the Corporation, certify, pursuant to 18
U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley
Act of 2002, that:

        (1) The Report fully complies with the requirements of Section 13(a) or
            15(d) of the Securities Exchange Act of 1934; and

        (2) The information contained in this Report fairly presents, in all
            material respects, the financial condition and results of operations
            of the Corporation.


Dated:  August 14, 2003                      By:   /s/ Kelley L. Nanna
                                                   -----------------------------
                                                   Kelley L. Nanna, CPA
                                                   Treasurer
                                                   (Principal Financial Officer)


                                      23.

</TEXT>
</DOCUMENT>
