<DOCUMENT>
<TYPE>EX-21.1
<SEQUENCE>11
<FILENAME>l05633aexv21w1.txt
<DESCRIPTION>EXHIBIT 21.1
<TEXT>
<PAGE>
                                                                    EXHIBIT 21.1

                         SUBSIDIARIES OF THE REGISTRANT

Central Federal Bank
Central Federal Capital Trust I


                                      137

</TEXT>
</DOCUMENT>
