<SEC-DOCUMENT>0001193125-12-091932.txt : 20120301
<SEC-HEADER>0001193125-12-091932.hdr.sgml : 20120301
<ACCEPTANCE-DATETIME>20120301145824
ACCESSION NUMBER:		0001193125-12-091932
CONFORMED SUBMISSION TYPE:	424B3
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20120301
DATE AS OF CHANGE:		20120301

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:		424B3
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-177434
		FILM NUMBER:		12656993

	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>
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<TYPE>424B3
<SEQUENCE>1
<FILENAME>d310179d424b3.htm
<DESCRIPTION>424B3
<TEXT>
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<TITLE>424B3</TITLE>
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 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Filed Pursuant to Rule 424(b)(3) under the Securities Act of 1933 </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Registration No.&nbsp;333-177434 </B></FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:14px;margin-bottom:0px" ALIGN="center">


<IMG SRC="g310179g33e47.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="4"><B>Prospectus Supplement </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="4"><B>Dated February&nbsp;29, 2012 </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="4"><B>to the Prospectus dated February&nbsp;8,
2012 </B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:5%"><FONT STYLE="font-family:Times New Roman" SIZE="3">This prospectus supplement corrects certain information set forth in the &#147;Summary-Proposed and Existing New
Management and Directors-Proposed New Chief Executive Officer&#148; and &#147;-Proposed New Directors&#148; sections of the Prospectus, dated February&nbsp;8, 2012 (the &#147;Prospectus&#148;). The disclosure under &#147;-Proposed New Chief
Executive Officer&#148; on page 13 of the Prospectus is revised in its entirety, as follows: </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:5%"><FONT STYLE="font-family:Times New Roman" SIZE="3"><B><I>Proposed New Chief
Executive Officer.</I></B> Timothy T. O&#146;Dell is expected to serve as the Chief Executive Officer of CFC and CFBank following completion of the stock offering. Mr.&nbsp;O&#146;Dell is currently the owner of the Chetwood Group, which provides
advisory services to a number of privately held enterprises in construction, health care, real estate and professional services. Prior to founding Chetwood in 2003, Mr.&nbsp;O&#146;Dell spent 22 years at Fifth Third Bank, and was a senior executive
with Fifth Third&#146;s Central Ohio operations for 12 of those years, concluding his tenure serving as President and Chief Executive Officer. For 10 of his years with Fifth Third &#150; Central Ohio, Mr.&nbsp;O&#146;Dell also served as a senior
lender and managed its commercial banking and residential and commercial real estate divisions. During his tenure, Fifth Third&#146;s Central Ohio division grew by $4 billion in deposits and $5 billion in loans from organic growth and through
strategic acquisitions. Mr.&nbsp;O&#146;Dell has served on the board of the Columbus Chamber of Commerce and The Ohio State University Medical Center, and he was a founding investor in the Ohio TechAngel Venture Fund. Mr.&nbsp;O&#146;Dell is a
graduate of Marshall University and has taken classes towards an MBA at Xavier University. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:5%"><FONT STYLE="font-family:Times New Roman" SIZE="3">The third paragraph under &#147;-
Proposed New Directors&#148; on page 14 of the Prospectus is also revised in its entirety, as follows: </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:5%"><FONT STYLE="font-family:Times New Roman" SIZE="3">Donal Malenick was
Chief Executive Officer of Columbus Steel Castings from 2003 through 2008. Prior to that, Mr.&nbsp;Malenick was president of Worthington Steel from 1976 to 1999. Mr.&nbsp;Malenick was a board member of Max and Ermas Restaurants of Columbus, Ohio
from 2006 until it was sold in 2008, and was a member of KeyBank&#146;s advisory board from 2001 to 2005. Mr.&nbsp;Malenick has been a private investor since 2008. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:5%"><FONT
STYLE="font-family:Times New Roman" SIZE="3">This prospectus supplement should be read in conjunction with the Prospectus, and this prospectus supplement is qualified in its entirety by reference to the Prospectus, except to the extent that the
information herein modifies or supersedes the information contained in the Prospectus. Except as amended by this prospectus supplement, the &#147;Summary&#148; section of the Prospectus is not affected by this prospectus supplement. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="3"><B>This investment involves risks, including the possible loss of principal. </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="3"><B>Please read &#147;Risk Factors&#148; beginning on page&nbsp;23 of the Prospectus. </B></FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:5%"><FONT STYLE="font-family:Times New Roman" SIZE="3"><B><I>The securities offered by the Prospectus are not deposits, savings accounts or other obligations of any bank and are not insured or
guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Neither the Securities and Exchange Commission, the Board of Governors of the Federal Reserve System, the Office of the Comptroller of the Currency, nor any
state securities regulator has approved or disapproved of the securities or determined if the Prospectus is accurate or complete. Any representation to the contrary is a criminal offense. </I></B></FONT></P>
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`
end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
