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Proc-Type: 2001,MIC-CLEAR
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<SEC-DOCUMENT>0000950152-04-002102.txt : 20040319
<SEC-HEADER>0000950152-04-002102.hdr.sgml : 20040319
<ACCEPTANCE-DATETIME>20040319114339
ACCESSION NUMBER:		0000950152-04-002102
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20040318
ITEM INFORMATION:		Other events
ITEM INFORMATION:		Financial statements and exhibits
FILED AS OF DATE:		20040319

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:		04679173

	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>l06491ae8vk.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): March 18, 2004


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

<TABLE>
<S>                                            <C>                   <C>
                  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)

</TABLE>




<PAGE>






ITEM 5.  OTHER EVENTS AND REQUIRED FD DISCLOSURE

On March 19, 2004, the registrant issued a press release announcing that:
         1) its Board of Directors, at their meeting on March 18, 2004, declared
a cash dividend of 9 cents per share on its common stock to be paid on April 16,
2004 to shareholders of record on April 5, 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 March 19, 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:  March 19, 2004                      By:    /s/ Therese Ann Liutkus
                                                   ---------------------------
                                                   Therese Ann Liutkus, CPA
                                                   Chief Financial Officer





</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>3
<FILENAME>l06491aexv99.txt
<DESCRIPTION>EXHIBIT 99
<TEXT>
<PAGE>
                                                                      Exhibit 99

PRESS RELEASE


FOR IMMEDIATE RELEASE

DATE:      March 19, 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 - March 19, 2004 - Central Federal Corporation (Nasdaq: GCFC)
announced today that its Board of Directors, at their meeting on March 18, 2004,
declared a cash dividend of 9 cents per share on its common stock to be paid on
April 16, 2004 to shareholders of record on April 5, 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 April 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 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

<PAGE>


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>
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