<DOCUMENT>
<TYPE>EX-21.1
<SEQUENCE>4
<FILENAME>l17961aexv21w1.txt
<DESCRIPTION>EXHIBIT 21.1 SUBSIDIARIES OF THE REGISTRANT
<TEXT>
<PAGE>

                                                                    EXHIBIT 21.1

                         SUBSIDIARIES OF THE REGISTRANT

CFBank
Central Federal Capital Trust I
</TEXT>
</DOCUMENT>
