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<SEC-DOCUMENT>0000950152-04-000290.txt : 20040116
<SEC-HEADER>0000950152-04-000290.hdr.sgml : 20040116
<ACCEPTANCE-DATETIME>20040116103417
ACCESSION NUMBER:		0000950152-04-000290
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20040116
ITEM INFORMATION:		Other events
ITEM INFORMATION:		Financial statements and exhibits
FILED AS OF DATE:		20040116

FILER:

	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:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-25045
		FILM NUMBER:		04528752

	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>8-K
<SEQUENCE>1
<FILENAME>l05111ae8vk.txt
<DESCRIPTION>CENTRAL FEDERAL CORPORATION  8-K
<TEXT>
<PAGE>
                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


                                    FORM 8-K


                 CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d)
                     OF THE SECURITIES EXCHANGE ACT OF 1934


       Date of Report (Date of earliest event reported): January 16, 2004


                           CENTRAL FEDERAL CORPORATION
             (Exact name of registrant as specified in its charter)


                Delaware                    0-25045             34-1877137
                --------                    -------             ----------
    (State or other jurisdiction of       (Commission         (IRS Employer
     incorporation or organization)       File Number)    Identification Number)


   601 Main Street, Wellsville, Ohio         42968            (330) 532-1517
   ---------------------------------         -----            --------------
(Address of principal executive offices)   (Zip Code)    (Registrant's Telephone
                                                                  Number)





<PAGE>






ITEM 5. OTHER EVENTS AND REQUIRED FD DISCLOSURE

On January 16, 2004, the registrant issued a press release announcing that the
annual meeting of stockholders would be held on April 20, 2004 and the record
date for shareholders eligible to vote at the annual meeting was set at February
27, 2004.

A copy of the press release is included as Exhibit 99 to this Current Report on
Form 8-K.

ITEM 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS

(c) Exhibits

         99  Press release issued on January 16, 2004




<PAGE>





                                   SIGNATURES


Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.

                                                Central Federal Corporation

 Date:  January 16, 2004                    By: /s/ Therese Ann Liutkus
                                                -----------------------------
                                                Therese Ann Liutkus, CPA
                                                Chief Financial Officer








</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>3
<FILENAME>l05111aexv99.txt
<DESCRIPTION>PRESS RELEASE
<TEXT>
<PAGE>
                                                                      Exhibit 99

PRESS RELEASE


FOR IMMEDIATE RELEASE

DATE:      January 16, 2004
COMPANY:   Central Federal Corporation
           2841 Riviera Drive
           Suite 300
           Akron, Ohio  44333
CONTACT:   David C. Vernon
           Chairman, President and CEO
PHONE:     330.666.7979                     FAX:  330.666.7959

Akron, Ohio - January 16, 2004 - Central Federal Corporation (Nasdaq: GCFC)
announced today that its Board of Directors, at their meeting on January 15,
2004, set the date for its annual meeting of shareholders to be held on April
20, 2004 at the offices of Central Federal Bank at 2923 Smith Road, Fairlawn,
Ohio at 10:00 AM. The record date for shareholders eligible to vote at the
annual meeting was set at February 27, 2004.


ABOUT CENTRAL FEDERAL BANK AND CENTRAL FEDERAL CORPORATION

Central Federal Bank is a community-oriented financial institution organized in
1892. It operates two offices in Columbiana County, Ohio, one in Columbus, Ohio,
and a temporary office in Fairlawn, Ohio. The Bank plans to occupy a new office
building now under construction at the corner of Smith and Ghent Roads in
Fairlawn, Ohio. The office is scheduled to open in the first quarter of 2004.
Central Federal Corporation (NASDAQ: GCFC) is the holding company of Central
Federal Bank and was organized as a Delaware corporation in September 1998 in
connection with the Bank's conversion from a mutual to stock organization, which
was completed on December 30, 1998.

This release contains certain forward-looking statements within the meaning of
Section 21E of the Securities Exchange Act of 1934, as amended. We intend these
forward-looking statements to be subject

<PAGE>

to the safe harbor created by that provision. These forward-looking statements
involve risks and uncertainties and include, but are not limited to, statements
regarding future events and our plans, goals and objectives. Our actual results
may differ materially from these statements. Although we believe the assumptions
underlying the forward-looking statements are reasonable, any of the assumptions
could prove to be inaccurate. Therefore, we can give no assurance that the
results contemplated in these forward-looking statements will be realized. The
inclusion of this forward-looking information should not be regarded as a
representation by our Company or by any person that the future events, plans or
expectations contemplated by our Company will be achieved. Furthermore, past
performance in operations and share price is not necessarily predictive of
future performance.






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