<DOCUMENT>
<TYPE>EX-32.2
<SEQUENCE>16
<FILENAME>l05633aexv32w2.txt
<DESCRIPTION>EXHIBIT 32.2
<TEXT>
<PAGE>
                                                                    EXHIBIT 32.2

                          Section 1350 Certifications

In connection with the Annual Report of Central Federal Corporation (the
"Company") on Form 10-KSB for the fiscal year ended December 31, 2003 as filed
with the Securities and Exchange Commission (the "Report"), I, Therese Ann
Liutkus, Chief Financial Officer of the Company, certify, pursuant to 18 U.S.C.
Section 1350, as added by 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 the Report fairly presents, in all
          material respects, the financial condition and results of operations
          of the Company as of and for the period covered by the Report.

                                                /s/ Therese Ann Liutkus
                                                --------------------------------
                                                Therese Ann Liutkus, CPA
                                                Chief Financial Officer

Date: March 30, 2004


                                      142

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</DOCUMENT>
