<DOCUMENT>
<TYPE>EX-21.1
<SEQUENCE>10
<FILENAME>l12592aexv21w1.txt
<DESCRIPTION>EX-21.1 SUBSIDIARIES
<TEXT>
<PAGE>

                                                                    EXHIBIT 21.1

                         SUBSIDIARIES OF THE REGISTRANT

CFBank and its wholly owned subsidiary, Reserve Mortgage Services, Inc. Central
Federal Capital Trust I

                                      123
</TEXT>
</DOCUMENT>
