<DOCUMENT>
<TYPE>EX-23
<SEQUENCE>2
<FILENAME>l14404aexv23.txt
<DESCRIPTION>EXHIBIT 23  /  CONSENT OF PUBLIC ACCOUNTANTS
<TEXT>
<PAGE>


                                                                  Exhibit 23


            CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

We consent to the incorporation by reference in this Registration Statement on
Form S-8 of Central Federal Corporation of our report dated February 10, 2005
appearing in the Annual Report on Form 10-KSB of Central Federal Corporation for
the year ended December 31, 2004.

                                             Crowe Chizek and Company LLC

Cleveland, Ohio
June 7, 2005




</TEXT>
</DOCUMENT>
