<DOCUMENT>
<TYPE>EX-31.2
<SEQUENCE>7
<FILENAME>l17961aexv31w2.txt
<DESCRIPTION>EXHIBIT 31.2 302 CERTIFICATION FOR CFO
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                                                                    EXHIBIT 31.2

                          Rule 13a-14(a) Certifications

I, Therese Ann Liutkus, 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 officer 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))
          and internal control over financial reporting (as defined in Exchange
          Act Rules 13a-15(f)) 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)   Designed such internal control over financial reporting, or
                    caused such internal control over financial reporting to be
                    designed under our supervision, to provide reasonable
                    assurance regarding the reliability of financial reporting
                    and the preparation of financial statements for external
                    purposes in accordance with generally accepted accounting
                    principles;

               c)   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

               d)   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 officer 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:

                    a)   All significant deficiencies and material weaknesses 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, 2006                    /s/ Therese Ann Liutkus
                                        ----------------------------------------
                                        Therese Ann Liutkus, CPA
                                        Treasurer and Chief Financial Officer
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