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<SEC-DOCUMENT>0000950123-11-004040.txt : 20110120
<SEC-HEADER>0000950123-11-004040.hdr.sgml : 20110120
<ACCEPTANCE-DATETIME>20110120121021
ACCESSION NUMBER:		0000950123-11-004040
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20110120
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20110120
DATE AS OF CHANGE:		20110120

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:		11537927

	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>c11260e8vk.htm
<DESCRIPTION>FORM 8-K
<TEXT>
<HTML>
<HEAD>
<TITLE>Form 8-K</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
<!-- PAGEBREAK -->
<DIV style="width: 7.5in; font-family: 'Times New Roman',Times,serif; margin-left: 0.25in">
<DIV style="font-size: 10pt">
<DIV style="border-bottom: black 2pt solid; width: 100%; font-size: 1pt">&nbsp;</DIV>
<DIV style="border-bottom: black 1pt solid; width: 100%; font-size: 1pt">&nbsp;</DIV>

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

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

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

<P style="font-size: 10pt" align="center"><B>Date of Report (Date of earliest
event reported): January 20, 2011</B>


<P style="font-size: 24pt" align="center"><B>CENTRAL FEDERAL
CORPORATION<BR>
</B><FONT style="font-size: 10pt">(Exact name of registrant as
specified in its charter) </FONT>
<TABLE style="text-align: center; font-size: 10pt" border="0" cellspacing="0"
cellpadding="0" width="100%">

 <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: #000000 1px solid"><B>Delaware</B></TD>
  <TD>&nbsp;</TD>
  <TD style="border-bottom: #000000 1px solid"><B>0-25045</B></TD>
  <TD>&nbsp;</TD>
  <TD style="border-bottom: #000000 1px solid"><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 style="text-align: center; font-size: 10pt" border="0" cellspacing="0"
cellpadding="0" width="100%">

 <TR>
  <TD width="49%">&nbsp;</TD>
  <TD width="1%">&nbsp;</TD>
  <TD width="49%">&nbsp;</TD>
 </TR>
 <TR valign="bottom">
  <TD style="border-bottom: #000000 1px solid"><B>2923 Smith Road, Fairlawn, Ohio</B></TD>
  <TD>&nbsp;</TD>
  <TD style="border-bottom: #000000 1px solid"><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 style="font-size: 10pt" align="center">Registrant&#8217;s telephone number,
including area code: <B>(330) 666-7979</B>
<TABLE style="text-align: center; font-size: 10pt" border="0" cellspacing="0"
cellpadding="0" width="30%">

 <TR>
  <TD width="100%">&nbsp;</TD>
 </TR>
 <TR>
  <TD style="border-bottom: #000000 1px solid" nowrap><B>&nbsp;</B></TD>
 </TR>
 <TR>
  <TD nowrap>(Former name or former address if changed since last report.)</TD>
 </TR>

</TABLE>


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


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

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

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

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV
style="width: 7.5in; font-family: 'Times New Roman',Times,serif; margin-left: 0.25in">

<P style="font-size: 10pt" align="justify"><B>Item&nbsp;8.01 Other Events.</B>

<P style="font-size: 10pt" align="justify">On January&nbsp;20, 2011, the
registrant issued a press release indicating that the Annual Meeting of
shareholders would take place on May&nbsp;19, 2011. The record date for
shareholders to vote at the meeting was set at April&nbsp;8, 2011.

<P style="font-size: 10pt" align="justify">The press release is attached as
exhibit 99.

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

<P style="font-size: 10pt" align="justify">99 Press release issued
January&nbsp;20, 2011 announcing the date of the Annual Meeting and record date
for shareholders eligible to vote at the meeting.

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

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

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

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV
style="width: 7.5in; font-family: 'Times New Roman',Times,serif; margin-left: 0.25in">

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

<P style="font-size: 10pt" align="justify">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.


<DIV align="center">
<TABLE style="font-size: 10pt" border="0" cellspacing="0" cellpadding="0"
width="100%">
<!-- Begin Table Head -->

 <TR valign="bottom">
  <TD width="48%">&nbsp;</TD>
  <TD width="5%">&nbsp;</TD>
  <TD width="2%">&nbsp;</TD>
  <TD width="2%">&nbsp;</TD>
  <TD width="43%">&nbsp;</TD>
 </TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
 <TR valign="bottom">
  <TD valign="top">&nbsp;</td>
  <TD valign="top">&nbsp;</td>
  <TD colspan="3" valign="top">Central Federal Corporation</td></tr>
<tr><td>&nbsp;</td></tr>
 <TR valign="bottom">
  <TD valign="top">
<DIV style="text-indent: 0px; margin-left: 0px">Date: January&nbsp;20, 2011
</DIV>
</TD>
  <TD>&nbsp;</TD>
  <TD valign="top" align="left">By: </TD>
  <TD>&nbsp;</TD>
  <TD valign="top" align="left">/s/ Therese Ann Liutkus</TD>
 </TR>
 <TR style="font-size: 1px">
  <TD valign="top">
<DIV style="text-indent: 0px; margin-left: 0px">&nbsp;</DIV>
</TD>
  <TD>&nbsp;</TD>
  <TD valign="top" align="left">&nbsp;</TD>
  <TD>&nbsp;</TD>
  <TD style="border-top: #000000 1px solid" valign="top"
align="left">&nbsp;</TD>
 </TR>
 <TR valign="bottom">
  <TD valign="top">
<DIV style="text-indent: 0px; margin-left: 0px">&nbsp;</DIV>
</TD>
  <TD>&nbsp;</TD>
  <TD valign="top" align="left">&nbsp;</TD>
  <TD>&nbsp;</TD>
  <TD valign="top" align="left">Therese Ann Liutkus, CPA<BR>
President, Treasurer and Chief Financial Officer</TD>
 </TR>
<!-- End Table Body -->

</TABLE>
</DIV>



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

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

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

</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>2
<FILENAME>c11260exv99.htm
<DESCRIPTION>EXHIBIT 99
<TEXT>
<HTML>
<HEAD>
<TITLE>Exhibit 99</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
<!-- PAGEBREAK -->

<DIV  style="width: 7.5in; font-family: 'Helvetica',Arial; margin-left: 0.25in">

<P style="font-size: 10pt" align="right">Exhibit&nbsp;99

<P style="font-size: 10pt" align="left"><IMG SRC="c11260p1126001.gif" alt="CENTRAL FEDERAL CORPORATION LOGO">

<P style="font-size: 10pt" align="justify"><B>PRESS RELEASE</B>

<P style="font-size: 10pt" align="justify"><B><I>FOR IMMEDIATE RELEASE</I></B>

<DIV align="center">
<TABLE style="font-size: 10pt" border="0" cellspacing="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->

 <TR valign="bottom">
  <TD width="15%">&nbsp;</TD>
  <TD width="30%">&nbsp;</TD>
  <TD width="5%">&nbsp;</TD>
  <TD width="50%">&nbsp;</TD>
 </TR>
<!-- End Table Head -->

<!-- Begin Table Body -->

 <TR valign="bottom">
  <TD align="left"><B>Date: </B></TD>
  <TD align="left">January&nbsp;20, 2011 </TD>
  <TD>&nbsp;</TD>
  <TD>&nbsp;</TD>
</TR>

 <TR valign="bottom">
  <TD align="left" valign="top"><B>Company: </B></TD>
  <TD align="left">Central Federal Corporation<BR>
2923 Smith Road<BR>
Fairlawn, Ohio 44333</TD>
  <TD>&nbsp;</TD>
  <TD>&nbsp;</TD>
 </TR>

 <TR valign="bottom">
  <TD align="left" valign="top"><B>Contact:</B></TD>
  <TD align="left">Eloise L. Mackus,<BR>
Interim CEO</TD>
  <TD>&nbsp;</TD>
  <TD>&nbsp;</TD>
 </TR>

 <TR valign="bottom">
  <TD align="left"><B>Phone:</B></TD>
  <TD align="left">330.576.1208</TD>
  <TD align="left"><B>Fax:</B></TD>
  <TD align="left">330.666.7959</TD>
 </TR>
<!-- End Table Body -->

</TABLE>
</DIV>

<P style="font-size: 10pt" align="center"><U><B>CENTRAL FEDERAL CORPORATION
ANNOUNCES DATE FOR ANNUAL MEETING</B></U>

<P style="font-size: 10pt" align="justify">Fairlawn, Ohio &#8211;
January&nbsp;20, 2011 &#8211; Central Federal Corporation (NASDAQ: CFBK)
announced today that its Annual Meeting of shareholders will be held on
May&nbsp;19, 2011 at the Fairlawn Country Club, 200 North Wheaton Road,
Fairlawn, Ohio at 10:00 AM. The record date for shareholders eligible to vote
at the meeting is April&nbsp;8, 2011.

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

<P style="font-size: 10pt" align="justify">Central Federal Corporation is the
holding company for CFBank, a federally chartered savings and loan association
formed in Ohio in 1892. CFBank has five locations, including four full-service
banking offices in Fairlawn, Calcutta, Wellsville and Worthington, Ohio and one
residential mortgage loan origination office in Green, Ohio. Additional
information about CFBank&#8217;s banking services and the Company is available
at <U>www.CFBankOnline.com.</U>

<P style="font-size: 10pt" align="justify">Forward-Looking Information
<BR>
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 to 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 style="font-size: 10pt" align="center">&nbsp;

<P style="display: none; font-size: 10pt" align="center">4
</DIV>
</BODY>
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<SEQUENCE>3
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----
