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<SEC-DOCUMENT>0000950152-04-007783.txt : 20041101
<SEC-HEADER>0000950152-04-007783.hdr.sgml : 20041101
<ACCEPTANCE-DATETIME>20041101163806
ACCESSION NUMBER:		0000950152-04-007783
CONFORMED SUBMISSION TYPE:	SC 13G
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20041101
DATE AS OF CHANGE:		20041101

FILED BY:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			ODonnell Richard J
		CENTRAL INDEX KEY:			0001298362

	FILING VALUES:
		FORM TYPE:		SC 13G

	BUSINESS ADDRESS:	
		BUSINESS PHONE:		330-945-7000

	MAIL ADDRESS:	
		STREET 1:		2923 SMITH RD
		CITY:			FAIRLAWN
		STATE:			OH
		ZIP:			44333

SUBJECT COMPANY:	

	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

	FILING VALUES:
		FORM TYPE:		SC 13G
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	005-55853
		FILM NUMBER:		041110332

	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
</SEC-HEADER>
<DOCUMENT>
<TYPE>SC 13G
<SEQUENCE>1
<FILENAME>l10336asc13g.htm
<DESCRIPTION>CENTRAL FEDERAL CORPORATION
<TEXT>
<HTML>
<HEAD>
<TITLE>CENTRAL FEDERAL CORPORATION</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
<!-- PAGEBREAK -->
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>
<DIV style="font-family: 'Times New Roman',Times,serif">


<HR size="4" noshade color="#000000" style="margin-top: -5px">
<HR size="1" noshade color="#000000" style="margin-top: -10px">







<P align="center" style="font-size: 14pt"><B>SECURITIES AND EXCHANGE COMMISSION</B>

<DIV align="center" style="font-size: 12pt"><B>Washington, D.C. 20549</B>
</DIV>

<P align="center" style="font-size: 18pt"><B>SCHEDULE 13G</B>


<P align="center" style="font-size: 10pt">Under the Securities Exchange Act of 1934<BR>
(Amendment No)



<P align="center" style="font-size: 10pt">Central Federal Corporation<BR>
(Issuer)<BR>
Common<BR>
(Title of Class of Securities)<BR>
15346Q 10 3<BR>
(CUSIP Number)<BR>
October&nbsp;22, 2004



<P align="center" style="font-size: 10pt">(Date of Event Which Requires Filing of this Statement)



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Check the appropriate box to designate the rule pursuant to which this Schedule is filed:


<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="3%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="75%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px"><FONT face="Wingdings">&#111;</FONT>
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Rule&nbsp;13d-1(b)</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px"><FONT face="Wingdings">&#120;</FONT>
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Rule&nbsp;13d-1(c)</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px"><FONT face="Wingdings">&#111;</FONT>
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Rule&nbsp;13d-1(d)</TD>
</TR>

<!-- End Table Body -->
</TABLE>
</DIV>


<P align="left" style="font-size: 10pt">*The remainder of this cover page shall be filled out for a reporting person&#146;s
initial filing on this form with respect to the subject class of securities,
and for any subsequent amendment containing information which would alter the
disclosures provided in a prior cover page.

<P align="left" style="font-size: 10pt">The information required in the remainder of this cover page shall not be
deemed to be &#147;filed&#148; for the purpose of Section&nbsp;18 of the Securities Exchange
Act of 1934 (&#147;Act&#148;) or otherwise subject to the liabilities of that section of
the Act but shall be subject to all other provisions of the Act (however, see
the Notes).


<P>
<HR size="1" noshade color="#000000" style="margin-top: -2px">
<HR size="4" noshade color="#000000" style="margin-top: -10px">








<P align="center" style="font-size: 10pt">&nbsp;
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<TABLE width="100%" border="0" cellspacing="0" cellpadding="4">
<TR>
<TD width="4%"><FONT size="2">&nbsp;</FONT></TD>
<TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
<TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
<TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
<TD width="28%"><FONT size="2">&nbsp;</FONT></TD>
<TD width="14%"><FONT size="2">&nbsp;</FONT></TD>
<TD width="45%"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR>
<TD colspan="7" align="center"><FONT size="2">13G</FONT></TD>
</TR>

<TR>
<TD colspan="7"><FONT size="2">CUSIP No. 15346Q 10 3</FONT> </TD>
</TR>

<TR><TD colspan=7><HR noshade></TD></TR>

<TR>
<TD><FONT size="2">&nbsp;</FONT></TD>
<TD valign=top><FONT size="2">1.</FONT></TD>
<TD valign=top colspan=3><FONT size="2">Name of Reporting Person:<BR>Richard J. O'Donnell</FONT></TD>
<TD valign=top colspan=2><FONT size="2">I.R.S. Identification Nos. of above persons (entities only):<BR>
</FONT></TD>
</TR>

<TR><TD colspan=7><HR noshade></TD></TR>

<TR>
<TD><FONT size="2">&nbsp;</FONT></TD>
<TD valign=top><FONT size="2">2.</FONT></TD>
<TD valign=top colspan=5><FONT size="2">Check the Appropriate Box if a Member of a Group:</FONT></TD>
</TR>

<TR>
<TD><FONT size="2">&nbsp;</FONT></TD>
<TD><FONT size="2">&nbsp;</FONT></TD>
<TD valign=top><FONT size="2">(a)</FONT></TD>
<TD valign=top><FONT face="wingdings">&#111;</FONT></TD>
<TD valign=top colspan=3><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR>
<TD><FONT size="2">&nbsp;</FONT></TD>
<TD><FONT size="2">&nbsp;</FONT></TD>
<TD valign=top><FONT size="2">(b)</FONT></TD>
<TD valign=top><FONT face="wingdings">&#111;</FONT></TD>
<TD valign=top colspan=3><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR><TD colspan=7><HR noshade></TD></TR>

<TR>
<TD><FONT size="2">&nbsp;</FONT></TD>
<TD valign=top><FONT size="2">3.</FONT></TD>
<TD valign=top colspan=5><FONT size="2">SEC Use Only:</FONT></TD>
</TR>

<TR><TD colspan=7><HR noshade></TD></TR>

<TR>
<TD><FONT size="2">&nbsp;</FONT></TD>
<TD valign=top><FONT size="2">4.</FONT></TD>
<TD valign=top colspan=5><FONT size="2">Citizenship or Place of Organization:<BR>United States of America</FONT></TD>
</TR>

<TR><TD colspan=7><HR noshade></TD></TR>

<TR><TD colspan="3" rowspan="8" align="center"><FONT size="2">Number of<BR>Shares<BR>Beneficially<BR>Owned by<BR> Each Reporting<BR>Person With</FONT></TD></TR>

<TR><TD valign=top><FONT size="2">5.</FONT></TD>
<TD valign=top colspan=3><FONT size="2">Sole Voting Power:<BR>100%</FONT></TD></TR>

<TR><TD colspan=4><hr noshade></TD></TR>

<TR><TD valign=top><FONT size="2">6.</FONT></TD><TD valign=top colspan=3> <FONT size="2">Shared Voting Power:<BR></FONT></TD></TR>

<TR><TD colspan=4><hr noshade></TD></TR>

<TR><TD valign=top><FONT size="2">7.</FONT></TD><TD valign=top colspan=3> <FONT size="2">Sole Dispositive Power:<BR>100%</FONT></TD></TR>

<TR><TD colspan=4><hr noshade></TD></TR>

<TR><TD valign=top><FONT size="2">8.</FONT></TD><TD valign=top colspan=3><FONT size="2">Shared Dispositive Power:<BR></FONT></TD></TR>

<TR><TD colspan=7><hr noshade></TD></TR>

<TR><TD><FONT size="2">&nbsp;</FONT></TD>
<TD valign=top><FONT size="2">9.</FONT></TD><TD valign=top colspan=5><FONT size="2">Aggregate Amount Beneficially Owned by Each Reporting Person: <BR>100%</FONT></TD>
</TR>

<TR><TD colspan=7><hr noshade></TD></TR>

<TR><TD><FONT size="2">&nbsp;</FONT></TD>
<TD valign=top><FONT size="2">10.</FONT></TD><TD valign=top colspan=5><FONT size="2">Check if the Aggregate Amount in Row (9) Excludes Certain Shares:<BR><FONT face="wingdings">&#111;</FONT></FONT></TD>
</TR>

<TR><TD colspan=7><hr noshade></TD></TR>

<TR><TD><FONT size="2">&nbsp;</FONT></TD>
<TD valign=top><FONT size="2">11.</FONT></TD><TD valign=top colspan=5><FONT size="2">Percent of Class Represented by Amount in Row (9):<BR>5.6%</FONT></TD></TR>

<TR><TD colspan=7><hr noshade></TD></TR>

<TR><TD><FONT size="2">&nbsp;</FONT></TD>
<TD valign=top><FONT size="2">12.</FONT></TD><TD valign=top colspan=5><FONT size="2">Type of Reporting Person:<BR>IN</FONT></TD></TR>

<TR><TD colspan=7><hr noshade></TD></TR>
</TABLE>

<P align="center"><FONT size="2"></FONT>


<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<P align="left" style="font-size: 10pt"><B>Item&nbsp;1.</B>


<P align="left" style="font-size: 10pt">Item&nbsp;1(a) Name of issuer: Central Federal Corporation

<P align="left" style="font-size: 10pt">Item&nbsp;1(b) Address of issuer&#146;s principal executive offices: 2923 Smith Road, Fairlawn, Ohio 44333


<P align="left" style="font-size: 10pt"><B>Item&nbsp;2.</B>


<P align="left" style="font-size: 10pt">2(a) Name of person filing: Richard J. O&#146;Donnell

<P align="left" style="font-size: 10pt">2(b) Address or principal business office or, if none, residence: 1730 Akron-Peninsula Road, Akron, Ohio 44313

<P align="left" style="font-size: 10pt">2(c) Citizenship: United States of America

<P align="left" style="font-size: 10pt">2(d) Title of class of securities: Common

<P align="left" style="font-size: 10pt">2(e) CUSIP No.: 15346Q 10 3


<P align="left" style="font-size: 10pt"><B>Item&nbsp;3.</B>


<P align="left" style="font-size: 10pt">If this statement is filed pursuant to Rules&nbsp;13d-1(b), or 13d-2(b) or (c),
check whether the person filing is a: N/A

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="90%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="5%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="86%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">a.
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><FONT face="Wingdings">&#111;</FONT>&nbsp;Broker or dealer registered under Section&nbsp;15 of the Act.</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">b.
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><FONT face="Wingdings">&#111;</FONT>&nbsp;Bank as defined in Section&nbsp;3(a)(6) of the Act.</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">c.
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><FONT face="Wingdings">&#111;</FONT>&nbsp;Insurance company as defined in Section&nbsp;3(a)(19) of the Act.</TD>
</TR>

<!-- End Table Body -->
</TABLE>
</DIV>



<P align="center" style="font-size: 10pt">&nbsp;
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="90%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="5%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="86%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">d.
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><FONT face="Wingdings">&#111;</FONT>&nbsp;Investment company registered under Section&nbsp;8 of the Investment Company Act of 1940.</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>


<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">e.
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><FONT face="Wingdings">&#111;</FONT>&nbsp;An investment adviser in accordance with Rule&nbsp;13d-1(b)(1)(ii)(E);</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>


<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">f.
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><FONT face="Wingdings">&#111;</FONT>&nbsp;An employee benefit plan or endowment fund in accordance with Rule&nbsp;13d-1(b)(1)(ii)(F);</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>


<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">g.
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><FONT face="Wingdings">&#111;</FONT>&nbsp;A parent holding company or control person in accordance with Rule&nbsp;13d-1(b)(1)(ii)(G);</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>


<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">h.
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><FONT face="Wingdings">&#111;</FONT>&nbsp;A savings associations as defined in Section&nbsp;3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>


<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">i.
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><FONT face="Wingdings">&#111;</FONT>&nbsp;A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act
of 1940;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>


<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">j.
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><FONT face="Wingdings">&#111;</FONT>&nbsp;Group, in accordance with Rule&nbsp;13d-1(b)(1)(ii)(J).</TD>
</TR>
</TABLE>
</div>

<P align="left" style="font-size: 10pt"><B>Item&nbsp;4. </B>Ownership


<P align="left" style="font-size: 10pt">Provide the following information regarding the aggregate number and percentage
of the class of securities of the issuer identified in Item&nbsp;1.

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="90%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="3%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="81%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">a.
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Amount beneficially owned: 100%</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">b.
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Percent of class: 5.6%</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">c.
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Number of shares as to which such person has:</TD>
</TR>

<!-- End Table Body -->
</TABLE>
</DIV>



<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="10%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">i.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Sole power to vote or to direct the vote 100%</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="10%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">ii.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Shared power to vote or to direct the vote 0%</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="10%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">iii.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Sole power to dispose or to direct the disposition of 100%</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="10%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">iv.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Shared power to dispose or to direct the disposition of 0%</TD>
</TR>

</TABLE>


<P align="left" style="margin-left:12%; font-size: 10pt"><B>Instruction. </B>For computations regarding securities which represent
a right to acquire an underlying security see Rule&nbsp;13d-3(d)(1).


<P align="left" style="font-size: 10pt"><B>Item&nbsp;5.</B>


<P align="left" style="font-size: 10pt">Ownership of 5 Percent or Less of a Class. N/A


<P align="center" style="font-size: 10pt">&nbsp;
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">
<P align="left" style="font-size: 10pt">If this statement is being filed to report the fact that as of the date hereof
the reporting person has ceased to be the beneficial owner of more than 5
percent of the class of securities, check the following &#091; &#093;.

<P align="left" style="font-size: 10pt"><B>Instruction. </B>Dissolution of a group requires a response to this item.

<P align="left" style="font-size: 10pt"><B>Item&nbsp;6</B>. Ownership of More than 5 Percent on Behalf of Another Person N/A

<P align="left" style="font-size: 10pt">If any other person is known to have the right to receive or the power to
direct the receipt of dividends from, or the proceeds from the sale of, such
securities, a statement to that effect should be included in response to this
item and, if such interest relates to more than 5&nbsp;percent of the class, such
person should be identified. A listing of the shareholders of an investment
company registered under the Investment Company Act of 1940 or the
beneficiaries of employee benefit plan, pension fund or endowment fund is not
required.

<P align="left" style="font-size: 10pt"><B>Item&nbsp;7. </B>Identification and Classification of the Subsidiary Which Acquired the
Security Being Reported on by the Parent Holding Company or Control Person.
N/A

<P align="left" style="font-size: 10pt">If a parent holding company or control person has filed this schedule pursuant
to Rule&nbsp;13d-1(b)(1)(ii)(G), so indicate under Item 3(g) and attach an exhibit
stating the identity and the Item&nbsp;3 classification of the relevant subsidiary.
If a parent holding company or control person has filed this schedule pursuant
to Rule&nbsp;13d-1(c) or Rule&nbsp;13d-1(d), attach an exhibit stating the identification
of the relevant subsidiary.

<P align="left" style="font-size: 10pt"><B>Item&nbsp;8. </B>Identification and Classification of Members of the Group N/A

<P align="left" style="font-size: 10pt">If a group has filed this schedule pursuant to Rule&nbsp;13d-1(b)(ii)(J), so
indicate under Item 3(j) and attach an exhibit stating the identity and Item&nbsp;3
classification of each member of the group. If a group has filed this schedule
pursuant to Rule&nbsp;13d-1(c) or Rule&nbsp;13d-1(d), attach an exhibit stating the
identity of each member of the group.

<P align="left" style="font-size: 10pt"><B>Item&nbsp;9. </B>Notice of Dissolution of Group N/A

<P align="left" style="font-size: 10pt">Notice of dissolution of a group may be furnished as an exhibit stating the
date of the dissolution and that all further filings with respect to
transactions in the security reported on will be filed, if required, by members
of the group, in their individual capacity. See Item&nbsp;5.

<P align="left" style="font-size: 10pt"><B>Item&nbsp;10. </B>Certification

<P align="left" style="font-size: 10pt">By signing below I certify that, to the best of my knowledge and belief,
the securities referred to above were not acquired and are not held for
the purpose of or with the
effect of changing or influencing the control of the issuer of the
securities and were not acquired and are not held in connection with or
as a participant in any transaction having that purpose or effect.


<P align="center" style="font-size: 10pt">&nbsp;
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">
<P align="left" style="font-size: 10pt"><I>Signature.</I>

<P align="left" style="font-size: 10pt">After reasonable inquiry and to the best of my knowledge and belief, I certify
that the information set forth in this statement is true, complete and correct.

<P align="left" style="font-size: 10pt">Dated November&nbsp;1,2004

<P align="left" style="font-size: 10pt">Signature /s/ Richard J. O&#146;Donnell

<P align="left" style="font-size: 10pt">Name/Title Richard J. O&#146;Donnell, President &#038; CEO, Reserve Mortgage Services, Inc.

<P align="left" style="font-size: 10pt">The original statement shall be signed by each person on whose behalf the
statement is filed or his authorized representative. If the statement is signed
on behalf of a person by his authorized representative other than an executive
officer or general partner of the filing person, evidence of the
representative&#146;s authority to sign on behalf of such person shall be filed with
the statement, <I>provided, however, </I>that a power of attorney for this purpose
which is already on file with the Commission may be incorporated by reference.
The name and any title of each person who signs the statement shall be typed or
printed beneath his signature.

<P align="left" style="font-size: 10pt"><B>Note: </B>Schedules filed in paper format shall include a signed original and five
copies of the schedule, including all exhibits. See Rule&nbsp;13d-7 for other
parties for whom copies are to be sent.

<P align="left" style="font-size: 10pt">Attention: Intentional misstatements or omissions of fact constitute Federal
criminal violations (see 18 U.S.C. 1001).


<P align="center" style="font-size: 10pt"><B>Regulatory History</B>


<P align="left" style="font-size: 10pt">43 FR 18499, April&nbsp;28, 1978, as amended at 43 FR 55756, Nov. 29, 1978; 44 FR
2148, Jan. 9, 1979; 44 FR 11751, March&nbsp;2, 1979; 61 FR 49957, 49959, Sept. 24,
1996; 62 FR 35338, 35340, July&nbsp;1, 1997; 63 FR 2854, 2867, Jan. 16, 1998, as
corrected at 63 FR 15286, 15287, March&nbsp;31, 1998


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