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<SEC-DOCUMENT>0000950123-10-053144.txt : 20100526
<SEC-HEADER>0000950123-10-053144.hdr.sgml : 20100526
<ACCEPTANCE-DATETIME>20100526131702
ACCESSION NUMBER:		0000950123-10-053144
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20100526
ITEM INFORMATION:		Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20100526
DATE AS OF CHANGE:		20100526

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CENTRAL FEDERAL CORP
		CENTRAL INDEX KEY:			0001070680
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				341877137
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-25045
		FILM NUMBER:		10859093

	BUSINESS ADDRESS:	
		STREET 1:		C/O CENTRAL FEDERAL BANK
		STREET 2:		601 MAIN ST
		CITY:			WELLSVILLE
		STATE:			OH
		ZIP:			43968
		BUSINESS PHONE:		3305321517

	MAIL ADDRESS:	
		STREET 1:		C/O CENTRAL FEDERAL BANK
		STREET 2:		601 MAIN ST
		CITY:			WELLSVILLE
		STATE:			OH
		ZIP:			43968

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	GRAND CENTRAL FINANCIAL CORP
		DATE OF NAME CHANGE:	19980918
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>c01761e8vk.htm
<DESCRIPTION>FORM 8-K
<TEXT>
<HTML>
<HEAD>
<TITLE>Form 8-K</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
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<DIV style="font-family: 'Times New Roman',Times,serif; margin-left: .25in; width: 7.20in">



<DIV style="font-size: 10pt">
<DIV style="width: 100%; border-bottom: 2pt solid black; font-size: 1pt">&nbsp;</DIV>
<DIV style="width: 100%; border-bottom: 1pt solid black; font-size: 1pt">&nbsp;</DIV>


<P align="center" style="font-size: 14pt"><B>UNITED STATES<BR>
SECURITIES AND EXCHANGE COMMISSION<BR>
<FONT style="font-size: 12pt">Washington, D.C. 20549
</FONT></B>

<P align="center" style="font-size: 18pt"><B>FORM 8-K</B>

<P align="center" style="font-size: 12pt"><B>CURRENT REPORT<BR>
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</B>

<P align="center" style="font-size: 10pt"><B>Date of Report (Date of earliest event reported): May 26, 2010</B>

<P align="center">

<P align="center" style="font-size: 24pt"><B>CENTRAL FEDERAL CORPORATION<BR></B>
<FONT style="font-size: 10pt">(Exact name of registrant as specified in its charter)
</FONT>

<TABLE border="0" width="100%" cellspacing="0" cellpadding="0" style="font-size: 10pt; text-align: center">
<TR>
    <TD width="32%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="33%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="32%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD style="border-bottom: 1px solid #000000"><B>Delaware</B></TD>
    <TD>&nbsp;</TD>
    <TD style="border-bottom: 1px solid #000000"><B>0-25045</B></TD>
    <TD>&nbsp;</TD>
    <TD style="border-bottom: 1px solid #000000"><B>34-1877137</B></TD>
</TR>
<TR valign="top">
    <TD>(State or other Jurisdiction of Incorporation)</TD>
    <TD>&nbsp;</TD>
    <TD>(Commission File Number)</TD>
    <TD>&nbsp;</TD>
    <TD>(IRS Employer Identification No.)</TD>
</TR>
</TABLE>

<TABLE border="0" width="100%" cellspacing="0" cellpadding="0" style="font-size: 10pt; text-align: center">
<TR>
    <TD width="49%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="49%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD style="border-bottom: 1px solid #000000"><B>2923 Smith Road, Fairlawn, Ohio</B></TD>
    <TD>&nbsp;</TD>
    <TD style="border-bottom: 1px solid #000000"><B>44333</B></TD>
</TR>
<TR valign="top">
    <TD>(Address of Principal Executive Offices)</TD>
    <TD>&nbsp;</TD>
    <TD>(Zip Code)</TD>
</TR>
</TABLE>

<P align="center" style="font-size: 10pt">Registrant&#146;s telephone number, including area code: <B>(330) 666-7979</B>


<TABLE border="0" width="30%" cellspacing="0" cellpadding="0" style="font-size: 10pt; text-align: center">
<TR>
    <TD width="100%">&nbsp;</TD>
</TR>
<TR>
    <TD nowrap style="border-bottom: 1px solid #000000"><B>&nbsp;</B></TD>
</TR>
<TR>
    <TD nowrap>(Former name or former address if changed since last report.)</TD>
</TR>
</TABLE>

<P align="left" style="font-size: 10pt">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant
under any of the following provisions:

<P align="left" style="font-size: 10pt">
<FONT face="Wingdings">&#111;</FONT> Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)<BR><BR>
<FONT face="Wingdings">&#111;</FONT> Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)<BR><BR>
<FONT face="Wingdings">&#111;</FONT> Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))<BR><BR>
<FONT face="Wingdings">&#111;</FONT> Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))<BR>


<P>
<DIV style="width: 100%; border-bottom: 1pt solid black; margin-top: 10pt; font-size: 1pt">&nbsp;</DIV>
<DIV style="width: 100%; border-bottom: 2pt solid black; font-size: 1pt">&nbsp;</DIV>

</DIV>

<P align="center" style="font-size: 10pt">&nbsp;

<P align="center" style="font-size: 10pt; display: none">1
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif; margin-left: .25in; width: 7.20in">

<P align="justify" style="font-size: 10pt"><B>Item&nbsp;5.02 Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers;
Compensatory Arrangements of Certain Officers</B>


<P align="justify" style="font-size: 10pt; text-indent: 4%"><B>(c)&nbsp;</B>On May&nbsp;26, 2010, the registrant issued a press release announcing the appointment of Therese A. Liutkus, CPA,
to President and Chief Financial Officer of the registrant and CFBank effective June 1. The press release is attached
as Exhibit&nbsp;99.1. Ms.&nbsp;Liutkus has been with the registrant as Treasurer and Chief Financial Officer since November
2003, and will also retain her title as Treasurer. Prior to joining the registrant, Ms.&nbsp;Liutkus was chief financial officer for First Place Financial Corp. and
First Place Bank. She started her career in public accounting prior to joining FFY Bank in 1986.


<P align="justify" style="font-size: 10pt"><B>Item&nbsp;9.01. Exhibits</B>


<P align="justify" style="font-size: 10pt; text-indent: 4%">99.1 Press release issued May&nbsp;26, 2010.


<P align="center" style="font-size: 10pt">2

<P align="center" style="font-size: 10pt; display: none">2
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif; margin-left: .25in; width: 7.20in">

<P align="center" style="font-size: 10pt">SIGNATURES



<P align="justify" style="font-size: 10pt">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be
signed on its behalf by the undersigned hereunto duly authorized.


<P align="justify" style="font-size: 10pt; margin-left: 46%">Central Federal Corporation

<P align="justify" style="font-size: 10pt">Date: May&nbsp;26, 2010

<P align="justify" style="font-size: 10pt; margin-top: -11pt; margin-left: 46%">By: <U>/s/ Therese Ann Liutkus&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U><BR>
Therese Ann Liutkus, CPA<BR>
Treasurer and Chief Financial Officer


<P align="center" style="font-size: 10pt">3

<P align="center" style="font-size: 10pt; display: none">3
</DIV>

</BODY>
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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>c01761exv99w1.htm
<DESCRIPTION>EXHIBIT 99.1
<TEXT>
<HTML>
<HEAD>
<TITLE>Exhibit 99.1</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
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<DIV style="font-family: Arial,sans-serif; margin-left: .25in; width: 7.20in">

<P align="right" style="font-size: 10pt">Exhibit&nbsp;99.1

<P align="left" style="font-size: 10pt"><IMG src="c01761p0176101.gif" alt="(LOGO)">

<P align="left" style="font-size: 10pt"><B>For Further Information:</B><BR>
Eloise L. Mackus, Interim CEO<BR>
Phone: 330.576.1208<BR>
Fax: 330.666.7979


<P align="left" style="font-size: 10pt">David Hertz, Dix &#038; Eaton<BR>
Phone: 216.241.2145<BR>
Fax: 216.241.3070


<P align="left" style="font-size: 10pt"><B>THERESE LIUTKUS IS NAMED PRESIDENT AND CFO</B>
<BR>
<B>OF CENTRAL FEDERAL CORPORATION AND CFBANK</B>


<P align="left" style="font-size: 10pt">Fairlawn, Ohio &#150; May&nbsp;26, 2010 &#150; Central Federal Corporation (Nasdaq: CFBK) announced today that its Board of Directors
has promoted Therese A. Liutkus to President and Chief Financial Officer of the Company and CFBank, effective June 1.


<P align="left" style="font-size: 10pt">Liutkus, 51, a CPA who brings 25&nbsp;years of banking-related experience to her position, has served as Chief Financial
Officer since 2003.


<P align="left" style="font-size: 10pt">&#147;It is with great enthusiasm and confidence that the Board entrusts Terri with additional responsibilities as part of
an orderly transition of leadership,&#148; said Jerry F. Whitmer, Chairman of the Board. &#147;We look forward to her continuing
contributions in carrying out the bank&#146;s mission and business plan.&#148;


<P align="left" style="font-size: 10pt">Eloise L. Mackus, who last week became Interim Chief Executive Officer, said, &#147;Terri is an integral part of our
seasoned management team. I value her tremendous insights and vision, which draw upon her well-rounded experience in
banking, accounting and finance.&#148;


<P align="left" style="font-size: 10pt">Before joining the bank, Liutkus was chief financial officer for First Place Financial Corp. and First Place Bank. She
started her career in public accounting prior to joining FFY Bank in 1986.


<P align="left" style="font-size: 10pt">Liutkus received her BBA degree, Magna Cum Laude, from Cleveland State University in 1981.


<P align="left" style="font-size: 10pt"><B>About Central Federal Corporation and CFBank</B>


<P align="left" style="font-size: 10pt">Central Federal Corporation is the holding company for CFBank, a federally chartered savings association formed in Ohio
in 1892. CFBank has four full-service banking offices in Fairlawn, Calcutta, Wellsville and Worthington, Ohio.
Additional information about CFBank&#146;s banking services and the Company is available at <U>www.CFBankOnline.com</U>

<P align="center" style="font-size: 10pt">&nbsp;

<P align="center" style="font-size: 10pt; display: none">4
</DIV>

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<DIV style="font-family: Arial,sans-serif; margin-left: .25in; width: 7.20in">

<P align="left" style="font-size: 10pt">Statements in this release that are not statements of historical fact are forward-looking statements. A
forward-looking statement may include a statement of the assumptions or bases underlying the forward-looking statement.
The Company believes it has chosen these assumptions or bases in good faith and that they are reasonable. We caution
you however, that assumptions or bases almost always vary from actual results, and the differences between assumptions
or bases and actual results can be material. The forward-looking statements included in this release speak only as of
the date they are made. We undertake no obligation to publicly release revisions to any forward-looking statements to
reflect events or circumstances after the date of such statements, except to the extent required by law.


<P align="center" style="font-size: 10pt"># # #



<P align="center" style="font-size: 10pt">&nbsp;

<P align="center" style="font-size: 10pt; display: none">5




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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----
