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<SEC-DOCUMENT>0000950152-04-006936.txt : 20040917
<SEC-HEADER>0000950152-04-006936.hdr.sgml : 20040917
<ACCEPTANCE-DATETIME>20040917104228
ACCESSION NUMBER:		0000950152-04-006936
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20040917
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20040917
DATE AS OF CHANGE:		20040917

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:		041035037

	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>l09618ae8vk.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): September 17, 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)                File Number)   Identification Number)


    2923 Smith Road, Fairlawn, Ohio           44333           (330) 666-7979
    -------------------------------           -----           --------------
(Address of principal executive offices)    (Zip Code)        (Registrant's
                                                            Telephone Number)

          -------------------------------------------------------------
          (former name or former address, if changed since last report)


Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions:
[ ] Written communications pursuant to Rule 425 under the Securities Act
(17 CFR 230.425)
[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act
(17 CFR 240.14a-12)
[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange
Act (17 CFR 240.14d-2(b))
[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange
Act (17 CFR 240.13e-4(c))






<PAGE>
ITEM 8.01. OTHER EVENTS

On September 17, 2004, the registrant issued a press release announcing that:
         1) its Board of Directors, at their meeting on September 16, 2004,
declared a cash dividend of 9 cents per share on its common stock to be paid on
October 15, 2004 to shareholders of record on October 4, 2004;

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

ITEM 9.01. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS

(c) Exhibits

       99  Press release issued on September 17, 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:  September 17, 2004       By:    /s/ Therese Ann Liutkus
                                        -----------------------------------
                                        Therese Ann Liutkus, CPA
                                        Treasurer and Chief Financial Officer








</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>2
<FILENAME>l09618aexv99.txt
<DESCRIPTION>EXHIBIT 99
<TEXT>
<PAGE>
PRESS RELEASE


FOR IMMEDIATE RELEASE

DATE:      September 17, 2004
COMPANY:   Central Federal Corporation
           2923 Smith Road
           Fairlawn, Ohio  44333
CONTACT:   David C. Vernon
           Chairman, President and CEO
PHONE:     330.666.7979                FAX: 330.666.7959

Fairlawn, Ohio - September 17, 2004 - Central Federal Corporation (Nasdaq: GCFC)
announced today that its Board of Directors, at their meeting on September 16,
2004, declared a cash dividend of 9 cents per share on its common stock to be
paid on October 15, 2004 to shareholders of record on October 4, 2004.



ABOUT CENTRAL FEDERAL CORPORATION AND CFBANK

Central Federal Corporation ((Nasdaq: GCFC), the holding company for CFBank, 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. CFBank is a community-oriented financial services company
founded in 1892. Its home office is in Fairlawn, Ohio. It operates two
additional offices in Columbiana County, Ohio, and one in Columbus, Ohio.


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 objectives. Our actual results may differ materially from these
statements. Although we believe the assumptions underlying the assumptions are
reasonable, any of the assumptions could prove to be inaccurate. Therefore, we
can give no assurances 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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