<SEC-DOCUMENT>0000950123-11-066378.txt : 20110719
<SEC-HEADER>0000950123-11-066378.hdr.sgml : 20110719
<ACCEPTANCE-DATETIME>20110719095604
ACCESSION NUMBER:		0000950123-11-066378
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20110719
ITEM INFORMATION:		Notice of Delisting or Failure to Satisfy a Continued Listing Rule or Standard; Transfer of Listing
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20110719
DATE AS OF CHANGE:		20110719

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:		11974063

	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>c20085e8vk.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: 7.50in">



<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): July 19, 2011</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: 7.50in">

<P align="justify" style="font-size: 10pt"><B>Item&nbsp;3.01. Notice of Delisting or Failure to Satisfy a Continued Listing Rule or Standard; Transfer of Listing.</B>


<P align="justify" style="font-size: 10pt">On July&nbsp;13, 2011, the Company received notice from The Nasdaq Stock Market that it does not currently comply with the
minimum bid price requirement for continued listing on The Nasdaq Capital Market because the bid price for its common
stock has fallen below $1.00 per share for the 30 consecutive business days prior to the date of Nasdaq&#146;s notice. A
press release providing the details is attached as Exhibit&nbsp;99.1.


<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 July&nbsp;19, 2011.

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

<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: 7.50in">

<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: 48%">Central Federal Corporation


<P align="justify" style="font-size: 10pt">Date: July&nbsp;19, 2011


<P align="justify" style="font-size: 10pt; margin-left: 48%; font-size: 10pt; margin-top: -11pt">By: <U><B>/</B>s/ Therese Ann
Liutkus&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>
<BR>
Therese Ann Liutkus, CPA
<BR>
President, Treasurer and Chief Financial
Officer


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


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

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

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>c20085exv99w1.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: Helvetica,Arial,sans-serif; margin-left: .25in; width: 7.50in">

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


<DIV align="left" style="font-size: 10pt; margin-top: 10pt"><IMG src="c20085p2008501.jpg" alt="(CENTRAL FEDERAL CORPORATION LOGO)">
</DIV>



<P align="justify" style="margin-right:5%; font-size: 10pt"><B>For Further Information:</B>
<BR>
Eloise L. Mackus, CEO
<BR>
Phone: 330.576.1208
<BR>
Fax: 330.666.7959


<P align="justify" style="font-size: 10pt"><B>CENTRAL FEDERAL CORPORATION RECEIVES NASDAQ NOTICE</B>


<P align="justify" style="font-size: 10pt">Fairlawn, Ohio &#150; July&nbsp;19, 2011 &#150; Central Federal Corporation (Nasdaq: CFBK) announced that on July&nbsp;13, 2011, the
Company received notice from The Nasdaq Stock Market that it does not currently comply with the minimum bid price
requirement for continued listing on The Nasdaq Capital Market because the bid price for its common stock has fallen
below $1.00 per share for the 30 consecutive business days prior to the date of Nasdaq&#146;s notice. Rule&nbsp;5550(a)(2) of
Nasdaq&#146;s Listing Rules requires a minimum bid price of $1.00 per share.


<P align="justify" style="font-size: 10pt">At this time, the notice does not affect the listing of the Company&#146;s common stock on Nasdaq, and it will continue to
trade under the symbol CFBK. In accordance with Nasdaq Listing Rules, the Company has a 180&nbsp;day grace period until
January&nbsp;9, 2012 to regain compliance with the minimum closing bid price requirement. To regain compliance, the closing
bid price of the Company&#146;s common shares must meet or exceed $1.00 per share for at least ten consecutive business days
prior to January&nbsp;9, 2012.


<P align="justify" style="font-size: 10pt">In the event the Company does not regain compliance, the Company may be eligible for additional time, or be required to
have its stock listed on the Over the Counter Bulletin Board. &nbsp;&nbsp;

<P align="justify" style="font-size: 10pt">The Company is considering a number of different actions that it may take in response to this notice in order to regain
compliance with the continued listing requirements, but no decision about a response has been made at this time.


<P align="justify" style="font-size: 10pt">The Company received a similar notice from Nasdaq on December&nbsp;17, 2010, and regained compliance with the minimum bid
price requirement on January&nbsp;26, 2011.


<P align="justify" style="font-size: 10pt">The Board of Directors continues to consider available alternatives to preserve and enhance stockholder value. As
previously disclosed, the Board is looking at a $15-$20&nbsp;million capital raise through a rights offering with a possible
public offering with a lead investor, and other alternatives to improve capital ratios of the Company and CFBank.


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


<P align="justify" 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="justify" 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">&nbsp;

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




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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
