<DOCUMENT>
<TYPE>EX-32.1
<SEQUENCE>5
<FILENAME>l13283aexv32w1.txt
<DESCRIPTION>EXHIBIT 32.1
<TEXT>
<PAGE>
                           CENTRAL FEDERAL CORPORATION
                                  Exhibit 32.1
                           Section 1350 Certifications

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In connection with the Quarterly Report of Central Federal Corporation (the
"Company") on Form 10-QSB for the quarter ended March 31, 2005, as filed with
the Securities and Exchange Commission on the date hereof (the "Report"), the
undersigned, Mark S. Allio, Vice Chairman of the Board, President and Chief
Executive Officer of the Company, and Therese Ann Liutkus, Treasurer and Chief
Financial Officer of the Company, certify, pursuant to 18 U.S.C. Section 1350,
as adopted pursuant to 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 this Report fairly presents, in all
            material respects, the financial condition and results of operations
            of the Company.


Dated: May 13, 2005               By: /s/ Mark S. Allio
                                      -----------------------------------
                                      Mark S. Allio
                                      Vice Chairman of the Board, President and
                                      Chief Executive Officer




Dated: May 13, 2005               By: /s/ Therese Ann Liutkus
                                      -----------------------------------
                                      Therese Ann Liutkus, CPA
                                      Treasurer and Chief Financial Officer




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</DOCUMENT>
