<DOCUMENT>
<TYPE>EX-31.1
<SEQUENCE>12
<FILENAME>l12592aexv31w1.txt
<DESCRIPTION>EX-31.1 CERTIFICATION
<TEXT>
<PAGE>

                                                                    EXHIBIT 31.1

                          Rule 13A-14(a) Certifications

I, Mark S. Allio, certify, that:

      1.    I have reviewed this report on Form 10-KSB of Central Federal
            Corporation;

      2.    Based on my knowledge, this report does not contain any untrue
            statement of a material fact or omit to state a material fact
            necessary to make the statements made, in light of the circumstances
            under which such statements were made, not misleading with respect
            to the period covered by this report;

      3.    Based on my knowledge, the financial statements, and other financial
            information included in this report, fairly present in all material
            respects the financial condition, results of operations and cash
            flows of the small business issuer as of, and for, the periods
            presented in this report;

      4.    The small business issuer's other certifying officers and I are
            responsible for establishing and maintaining disclosure controls and
            procedures (as defined in Exchange Act Rules 13a-15(e) and
            15d-15(e)) for the small business issuer and have:

            a)    designed such disclosure controls and procedures, or caused
                  such disclosure controls and procedures to be designed under
                  our supervision, to ensure that material information relating
                  to the small business issuer, including its consolidated
                  subsidiaries, is made known to us by others within those
                  entities, particularly during the period in which this report
                  is being prepared;

            b)    evaluated the effectiveness of the small business issuer's
                  disclosure controls and procedures and presented in this
                  report our conclusions about the effectiveness of the
                  disclosure controls and procedures, as of the end of the
                  period covered by this report based on such evaluation; and

            c)    disclosed in this report any change in the small business
                  issuer's internal control over financial reporting that
                  occurred during the small business issuer's fourth fiscal
                  quarter that has materially affected, or is reasonably likely
                  to materially affect, the small business issuer's internal
                  control over financial reporting; and

      5.    The small business issuer's other certifying officers and I have
            disclosed, based on our most recent evaluation of internal control
            over financial reporting, to the small business issuer's auditors
            and the audit committee of small business issuer's board of
            directors (or persons performing the equivalent functions):

            a)    all significant deficiencies in the design or operation of
                  internal control over financial reporting which are reasonably
                  likely to adversely affect the small business issuer's ability
                  to record, process, summarize and report financial
                  information; and

            b)    any fraud, whether or not material, that involves management
                  or other employees who have a significant role in the small
                  business issuer's internal control over financial reporting.

Date: March 30, 2005                     /s/ Mark S. Allio
                                         --------------------------------------
                                         Mark S. Allio
                                         Vice Chairman of the Board, President
                                         and Chief Executive Officer

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