<SEC-DOCUMENT>0001070680-13-000003.txt : 20131007
<SEC-HEADER>0001070680-13-000003.hdr.sgml : 20131007
<ACCEPTANCE-DATETIME>20131007165707
ACCESSION NUMBER:		0001070680-13-000003
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20131007
ITEM INFORMATION:		Other Events
FILED AS OF DATE:		20131007
DATE AS OF CHANGE:		20131007

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:		131139639

	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>cfbk-20131007x8k.htm
<DESCRIPTION>8-K
<TEXT>
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			<font style="display: inline;">UNITED STATES</font>
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			<font style="display: inline;">SECURITIES AND EXCHANGE COMMISSION</font>
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			<font style="display: inline;">Washington</font><font style="display: inline;">, &nbsp;</font><font style="display: inline;">D.C.</font><font style="display: inline;">&nbsp;</font><font style="display: inline;">20549</font><font style="display: inline;">&nbsp;</font>
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			<font style="display: inline;">FORM 8-K</font>
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			<font style="display: inline;">CURRENT REPORT </font>
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			<font style="display: inline;">Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934</font>
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			<font style="display: inline;">Date of Report (Date of earliest event reported):&nbsp; </font><font style="display: inline;">October </font><font style="display: inline;">7</font><font style="display: inline;">, 2013</font><font style="display: inline;"> (October </font><font style="display: inline;">7</font><font style="display: inline;">, 2013)</font>
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			<font style="display: inline;text-decoration:underline;">CENTRAL FEDERAL CORPORATION</font>
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			<font style="display: inline;">(Exact name of registrant as specified in its charter)</font>
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						<font style="display: inline;text-decoration:underline;">Delaware</font></p>
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						<font style="display: inline;text-decoration:underline;">0-25045</font></p>
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						<font style="display: inline;text-decoration:underline;">34-1877137</font></p>
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						<font style="display: inline;">(State or other jurisdiction of</font></p>
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						<font style="display: inline;">(Commission</font></p>
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						<font style="display: inline;">(IRS Employer</font></p>
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						<font style="display: inline;">incorporation)</font></p>
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						<font style="display: inline;">File Number)</font></p>
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						<font style="display: inline;">Identification Number)</font></p>
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						&nbsp;</p>
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						&nbsp;</p>
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						<font style="display: inline;">2923 Smith Road, </font><font style="display: inline;">Fairlawn</font><font style="display: inline;">, Ohio</font></p>
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						<font style="display: inline;text-decoration:underline;">44333</font></p>
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						<font style="display: inline;">(330) </font><font style="display: inline;">666-7979</font></p>
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						<font style="display: inline;">(Address of principal executive offices)</font></p>
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						<font style="display: inline;">(Zip Code)</font></p>
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						<font style="display: inline;">(Registrant&#x2019;s Telephone Number)</font></p>
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			<font style="display: inline;">&nbsp;</font>
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			<font style="display: inline;">________________________________________________</font>
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			<font style="display: inline;">(former name or former address, if changed since last report)</font>
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			<font style="display: inline;">&nbsp;</font>
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			<font style="display: inline;">&nbsp;</font>
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		<p style="margin:0pt -18pt;font-family:Times New Roman;font-size: 12pt">
			<font style="display: inline;font-family:TimesNewRoman;">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant</font><font style="display: inline;font-family:TimesNewRoman;">&nbsp;</font><font style="display: inline;font-family:TimesNewRoman;">under any of the following provisions:</font>
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		<p style="margin:0pt -18pt;font-family:Times New Roman;font-size: 12pt">
			<font style="display: inline;font-family:TimesNewRoman;">[ ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</font>
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		<p style="margin:0pt -18pt;font-family:Times New Roman;font-size: 12pt">
			<font style="display: inline;font-family:TimesNewRoman;">[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</font>
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		<p style="margin:0pt -18pt;font-family:Times New Roman;font-size: 12pt">
			<font style="display: inline;font-family:TimesNewRoman;">[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act</font><font style="display: inline;font-family:TimesNewRoman;">&nbsp;</font><font style="display: inline;font-family:TimesNewRoman;">(17 CFR 240.14d-2(b))</font>
		</p>
		<p style="margin:0pt -18pt;font-family:Times New Roman;font-size: 12pt">
			<font style="display: inline;font-family:TimesNewRoman;">[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</font>
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		<p style="margin:0pt -36pt 0pt -18pt;line-height:normal;text-align:center;font-family:Times New Roman;font-size: 12pt">
			<font style="display: inline;">&nbsp;</font>
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			<font style="display: inline;">&nbsp;</font>
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			<font style="display: inline;">&nbsp;</font>
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			<font style="display: inline;">&nbsp;</font>
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		</p>
		<p><font size="1"> </font></p><div style="width:100%">

		<p style="margin:0pt 18pt 0pt 0pt;text-align:right;font-family:Times New Roman;font-size: 12pt">

			&nbsp;

		</p>

</div><hr size="3" style="color:#999999" width="100%" align="center"></hr><p style="page-break-after:always">&nbsp;</p><div style="width:100%">

		<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 12pt">

			&nbsp;

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</div>
		<p style="margin:0pt;line-height:normal;font-family:Times New Roman;;font-size: 12pt"><font style="display: inline;font-weight:bold;">&nbsp;</font>
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		<p style="margin:0pt;font-family:Times New Roman;font-size: 12pt">
			<font style="display: inline;font-weight:bold;">Item 8.01 Other Events</font>
		</p>
		<p style="margin:0pt;line-height:normal;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 12pt">
			<font style="display: inline;font-weight:bold;">&nbsp;</font>
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		<p style="margin:0pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 12pt">
			<font style="display: inline;">On October </font><font style="display: inline;">7</font><font style="display: inline;">, 2013, </font><font style="display: inline;">Central Federal Corporation issued a press release announcing that it intends to sell its Fairlawn office building (subject to regulatory approval), enhance certain customer services for Fairlawn, Ohio customers and expand into the Cleveland marketplace in early January 2014. A copy of the press release is included as Exhibit 99 to this report and is incorporated herein by reference.</font>
		</p>
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			<font style="display: inline;font-weight:bold;">&nbsp;</font>
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			<font style="display: inline;">&nbsp;</font>
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			<font style="display: inline;">&nbsp;</font>
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			<font style="display: inline;">&nbsp;</font>
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			<font style="display: inline;">&nbsp;</font>
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			<font style="display: inline;">&nbsp;</font>
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		<p><font size="1"> </font></p><div style="width:100%">

		<p style="margin:0pt 18pt 0pt 0pt;text-align:right;font-family:Times New Roman;font-size: 12pt">

			&nbsp;

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</div><hr size="3" style="color:#999999" width="100%" align="center"></hr><p style="page-break-after:always">&nbsp;</p><div style="width:100%">

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		<p style="margin:0pt;line-height:normal;text-align:center;font-family:Times New Roman;;font-size: 12pt"><font style="display: inline;">&nbsp;</font>
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		<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 12pt">
			<font style="display: inline;">SIGNATURES</font>
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			<font style="display: inline;">&nbsp;</font>
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		<p style="margin:0pt;font-family:Times New Roman;font-size: 12pt">
			<font style="display: inline;">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.</font>
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			<font style="display: inline;">&nbsp;</font>
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						&nbsp;</p>
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					<p style="margin:0pt;font-family:Times New Roman;font-size: 12pt">
						<font style="display: inline;">Central Federal Corporation</font></p>
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					<p style="margin:0pt;font-family:Times New Roman;font-size: 12pt">
						<font style="display: inline;">Date:&nbsp; </font><font style="display: inline;">Oc</font><font style="display: inline;">t</font><font style="display: inline;">ober</font><font style="display: inline;">&nbsp;</font><font style="display: inline;">7</font><font style="display: inline;">, 2013</font></p>
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						&nbsp;</p>
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					<p style="margin:0pt;font-family:Times New Roman;font-size: 12pt">
						<font style="display: inline;">By:</font></p>
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				<td valign="top" style="border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;width:188.75pt;padding:0pt 6.5pt">
					<p style="margin:0pt;border-bottom:1pt solid #000000 ;font-family:Times New Roman;font-size: 12pt">
						<font style="display: inline;">/s/ </font><font style="display: inline;">John W. Helmsdoerfer</font><font style="display: inline;;font-size: 12pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;"></font></p>
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					<p style="margin:0pt;line-height:normal;font-family:Times New Roman;font-size: 12pt">
						<font style="display: inline;">&nbsp;</font></p>
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						&nbsp;</p>
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						&nbsp;</p>
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				<td valign="top" style="border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;width:188.75pt;height:13.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;font-family:Times New Roman;font-size: 12pt">
						<font style="display: inline;">John W. Helmsdoerfer, CPA</font></p>
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						<font style="display: inline;">&nbsp;</font></p>
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						&nbsp;</p>
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						&nbsp;</p>
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					<p style="margin:0pt 9pt 0pt 0pt;font-family:Times New Roman;font-size: 12pt">
						<font style="display: inline;">Chief Financial Officer</font></p>
				</td>
			</tr>
		</table></div>
		<p style="margin:0pt -9pt 0pt 288pt;line-height:normal;font-family:Times New Roman;font-size: 12pt">
			<font style="display: inline;">&nbsp;</font>
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		<p><font size="1"> </font></p><div style="width:100%">

		<p style="margin:0pt 18pt 0pt 0pt;text-align:right;font-family:Times New Roman;font-size: 12pt">

			&nbsp;

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<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>2
<FILENAME>cfbk-20131007xex99.htm
<DESCRIPTION>EX-99
<TEXT>
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<html>
	<head>
		<title>
			8-k -10-7-13 Cover page Fairlawn Building Exhibit 99
		</title>
	</head>
	<body><div style="margin-left:72pt;margin-right:72pt;">
		<p style="margin:0pt;line-height:normal;font-family:Times New Roman;font-size: 12pt">
			<font style="display: inline;font-family:Arial;"><img src="cfbk-20131007xex99g1.jpg" style="width: 3.364583in; height: 0.53125in" alt="CentralFedCORPBlack"></font><font style="display: inline;font-family:Arial;;font-size: 12pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-family:Arial;font-size:11pt;"></font><font style="display: inline;font-family:Arial;font-size:11pt;;font-size: 12pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-family:Arial;font-size:11pt;"></font><font style="display: inline;font-family:Arial;font-size:11pt;;font-size: 12pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-family:Arial;font-size:11pt;"></font><font style="display: inline;font-family:Arial;font-size:11pt;;font-size: 12pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-family:Arial;font-size:11pt;"></font><font style="display: inline;font-family:Arial;font-size:11pt;;font-size: 12pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-family:Arial;font-size:11pt;"></font><font style="display: inline;font-family:Arial;font-size:11pt;;font-size: 12pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-family:Arial;font-size:11pt;"></font><font style="display: inline;font-family:Arial;font-size:11pt;;font-size: 12pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-family:Arial;font-size:11pt;"></font><font style="display: inline;font-family:Arial;font-size:11pt;;font-size: 12pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-family:Arial;font-size:11pt;"></font><font style="display: inline;font-family:Arial;font-size:11pt;;font-size: 12pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-family:Arial;font-size:11pt;"></font><font style="display: inline;font-family:Arial;font-size:11pt;;font-size: 12pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-family:Arial;font-size:11pt;">Exhibit 99</font>
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			<font style="display: inline;font-family:Arial;font-weight:bold;font-size:11pt;">&nbsp;</font>
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			<font style="display: inline;font-family:Arial;font-weight:bold;font-size:11pt;">&nbsp;</font>
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			<font style="display: inline;font-family:Arial;font-size:11pt;">&nbsp;</font>
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		<div style="width:100%"><table cellpadding="0" cellspacing="0" style="border-collapse:collapse;margin-left:0pt;">
			<tr>
				<td valign="top" style="width:158.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;height:1.00pt;padding:0pt 6.5pt;">
					<p style="margin:0pt;line-height:normal;font-family:Times New Roman;height:1.00pt;overflow:hidden;font-size: 1pt">
						<font style="display: inline;font-size:1pt;">&nbsp;</font></p>
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				<td valign="top" style="width:320.40pt;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;height:1.00pt;padding:0pt 6.5pt;">
					<p style="margin:0pt;font-family:Times New Roman;height:1.00pt;overflow:hidden;font-size: 12pt">
						&nbsp;</p>
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				<td valign="top" style="width:158.40pt;height:1.00pt;padding:0pt 6.5pt;">
					<p style="margin:0pt;line-height:normal;font-family:Times New Roman;height:1.00pt;overflow:hidden;font-size: 1pt">
						<font style="display: inline;font-size:1pt;">&nbsp;</font></p>
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				<td valign="top" style="width:320.40pt;height:1.00pt;padding:0pt 6.5pt;">
					<p style="margin:0pt;font-family:Times New Roman;height:1.00pt;overflow:hidden;font-size: 12pt">
						&nbsp;</p>
				</td>
			</tr>
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				<td valign="top" style="width:158.40pt;padding:0pt 6.5pt;">
					<p style="margin:0pt;font-family:Times New Roman;font-size: 11pt">
						<font style="display: inline;font-family:Arial;font-weight:bold;font-size:11pt;">PRESS RELEASE</font></p>
				</td>
				<td valign="top" style="width:320.40pt;padding:0pt 6.5pt;">
					<p style="margin:0pt;font-family:Times New Roman;font-size: 12pt">
						&nbsp;</p>
				</td>
			</tr>
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				<td valign="top" style="width:158.40pt;padding:0pt 6.5pt;">
					<p style="margin:0pt;font-family:Times New Roman;font-size: 11pt">
						<font style="display: inline;font-family:Arial;font-weight:bold;font-style:italic;font-size:11pt;">FOR IMMEDIATE RELEASE:</font></p>
				</td>
				<td valign="top" style="width:320.40pt;padding:0pt 6.5pt;">
					<p style="margin:0pt;font-family:Times New Roman;font-size: 11pt">
						<font style="display: inline;font-family:Arial;font-size:11pt;">October</font><font style="display: inline;font-family:Arial;font-size:11pt;"> 7, 2013</font></p>
				</td>
			</tr>
			<tr>
				<td valign="top" style="width:158.40pt;padding:0pt 6.5pt;">
					<p style="margin:0pt;font-family:Times New Roman;font-size: 11pt">
						<font style="display: inline;font-family:Arial;font-weight:bold;font-size:11pt;">For Further Information:</font></p>
				</td>
				<td valign="top" style="width:320.40pt;padding:0pt 6.5pt;">
					<p style="margin:0pt;font-family:Times New Roman;font-size: 11pt">
						<font style="display: inline;font-family:Arial;font-size:11pt;">Timothy T. O'Dell, CEO</font></p>
				</td>
			</tr>
			<tr>
				<td valign="top" style="width:158.40pt;padding:0pt 6.5pt;">
					<p style="margin:0pt;line-height:normal;font-family:Times New Roman;font-size: 11pt">
						<font style="display: inline;font-family:Arial;font-size:11pt;">&nbsp;</font></p>
				</td>
				<td valign="top" style="width:320.40pt;padding:0pt 6.5pt;">
					<p style="margin:0pt;font-family:Times New Roman;font-size: 11pt">
						<font style="display: inline;font-family:Arial;font-size:11pt;">Phone:&nbsp;&nbsp;330.576.1208</font></p>
				</td>
			</tr>
			<tr>
				<td valign="top" style="width:158.40pt;padding:0pt 6.5pt;">
					<p style="margin:0pt;line-height:normal;font-family:Times New Roman;font-size: 11pt">
						<font style="display: inline;font-family:Arial;font-size:11pt;">&nbsp;</font></p>
				</td>
				<td valign="top" style="width:320.40pt;padding:0pt 6.5pt;">
					<p style="margin:0pt;font-family:Times New Roman;font-size: 11pt">
						<font style="display: inline;font-family:Arial;font-size:11pt;">Fax:&nbsp;&nbsp;330.666.7959</font></p>
				</td>
			</tr>
		</table></div>
		<p style="margin:0pt;line-height:normal;font-family:Times New Roman;font-size: 12pt">
			<font style="display: inline;">&nbsp;</font>
		</p>
		<p style="margin:0pt;line-height:normal;font-family:Times New Roman;font-size: 12pt">
			<font style="display: inline;">&nbsp;</font>
		</p>
		<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-family:Tahoma;font-weight:bold;font-size:11pt;">CENTRAL FEDERAL CORPORATION ANNOUNCES NEW LOCATIONS</font>
		</p>
		<p style="margin:0pt;line-height:normal;text-align:center;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-family:Tahoma;font-size:10pt;">&nbsp;</font>
		</p>
		<p style="margin:0pt;border-bottom:1pt none #D9D9D9 ;font-family:Consolas;font-size: 10pt">
			<font style="display: inline;font-family:Tahoma;font-size:10pt;">Fairlawn, Ohio</font><font style="display: inline;font-family:Tahoma;font-size:10pt;"> - </font><font style="display: inline;font-family:Tahoma;font-size:10pt;">October 7, 2013</font><font style="display: inline;font-family:Tahoma;font-size:10pt;"> &nbsp;-</font><font style="display: inline;font-family:Tahoma;font-size:10pt;"> CFBank (Central Federal Corporation, CFC) (NASDAQ: CFBK), announces its expansion into Cleveland along with enhanced services for its Fairlawn customers.</font>
		</p>
		<p style="margin:0pt;border-top:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;font-family:Consolas;font-size: 10pt">
			<font style="display: inline;font-family:Tahoma;font-size:10pt;">&nbsp;</font>
		</p>
		<p style="margin:0pt;border-top:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;font-family:Consolas;font-size: 10pt">
			<font style="display: inline;font-family:Tahoma;font-size:10pt;">Subject to regulatory approval, CFC, the parent holding company of CFBank, expects to finalize the sale of its Fairlawn office building during October, which will clear the way to allow CFBank to upgrade its services available for its Fairlawn, Ohio customers and in addition establish a banking presence in the Cleveland market. CFBank expects to open an office in Cleveland in January 2014 and is currently seeking to locate in the Chagrin Blvd. area of Cleveland.</font>
		</p>
		<p style="margin:0pt;border-top:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;font-family:Consolas;font-size: 10pt">
			<font style="display: inline;font-family:Tahoma;font-size:10pt;">&nbsp;</font>
		</p>
		<p style="margin:0pt;border-top:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;font-family:Consolas;font-size: 10pt">
			<font style="display: inline;font-family:Tahoma;font-size:10pt;">In conjunction with the sale of the Fairlawn office building, CFBank will relocate its main office branch into a banking office roughly 200 yards away from its current location. This new branch provides drive thru banking capabilities along with a drive up ATM. In addition to the highly personalized business and personal services and relationships which CFBank customers have grown accustomed to, the short move allows CFBank to further enhance its customer service capabilities for its local Fairlawn, Ohio customers.</font>
		</p>
		<p style="margin:0pt;border-top:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;font-family:Consolas;font-size: 10pt">
			<font style="display: inline;font-family:Tahoma;font-size:10pt;">&nbsp;</font>
		</p>
		<p style="margin:0pt;border-top:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;font-family:Consolas;font-size: 10pt">
			<font style="display: inline;font-family:Tahoma;font-size:10pt;">"We are extremely excited about this unique opportunity to enhance the level of services for our Fairlawn customers while at the same time entering the Cleveland marketplace" says Tim O'Dell CEO of CFBank and CFC. </font>
		</p>
		<p style="margin:0pt;border-top:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;font-family:Consolas;font-size: 10pt">
			<font style="display: inline;font-family:Tahoma;font-size:10pt;">&nbsp;</font>
		</p>
		<p style="margin:0pt;border-top:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;font-family:Consolas;font-size: 10pt">
			<font style="display: inline;font-family:Tahoma;font-size:10pt;">Bob Hoeweler, Board Chairman comments, "This expansion into Cleveland is consistent with our overall growth strategy and objectives. Several of our customers and shareholders are based in the greater Cleveland market and as a niche business bank we are already generating quality full service banking relationships as well as also making residential loans in the Cleveland market. We are gratified by the reception which CFBank has received and the traction which we are gaining in Cleveland."</font>
		</p>
		<p style="margin:0pt;border-top:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;font-family:Consolas;font-size: 10pt">
			<font style="display: inline;font-family:Tahoma;font-size:10pt;">&nbsp;</font>
		</p>
		<p style="margin:0pt;border-top:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;font-family:Consolas;font-size: 10pt">
			<font style="display: inline;font-family:Tahoma;font-size:10pt;">&#x201C;Having a Cleveland presence to support our efforts to expand our business banking and residential mortgage lending business will raise our visibility and take our relationship banking brand and unique approach to doing business into Cleveland and put us closer to our growing customer base there,&#x201D; says Thad Perry, President and Director. </font>
		</p>
		<p style="margin:0pt;border-top:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;font-family:Consolas;font-size: 10pt">
			<font style="display: inline;font-family:Tahoma;font-size:10pt;">&nbsp;</font>
		</p>
		<p style="margin:0pt;border-top:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;font-family:Consolas;font-size: 10pt">
			<font style="display: inline;font-family:Tahoma;font-size:10pt;">CFBank is an Ohio full service business bank and residential mortgage lender. In addition, CFBank delivers full service personal banking services thru its personalized and relationship banking style. Once the Cleveland expansion is complete in early 2014, CFBank will have offices in three major metro Ohio markets along with two community bank locations in Eastern Ohio, located in Wellsville and Calcutta both in Columbiana County.</font>
		</p>
		<p style="margin:0pt;border-top:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;font-family:Consolas;font-size: 10pt">
			<font style="display: inline;font-family:Tahoma;font-size:10pt;">&nbsp;</font>
		</p>
		<p style="margin:0pt;border-top:1pt none #D9D9D9 ;font-family:Consolas;font-size: 10pt">

		</p>
		<p><font size="1"> </font></p><hr size="3" style="color:#999999" width="100%" align="center"></hr><p style="page-break-after:always">&nbsp;</p>
		<p style="margin:0pt;border-top:1pt none #D9D9D9 ;font-family:Consolas;;font-size: 10pt"><font style="display: inline;font-family:Tahoma;font-size:10pt;">CFBank is a wholly owned subsidiary of Central Federal Corporation, a publicly traded corporation. Central Federal Corporation shares trade on the NASDAQ stock exchange, ticker symbol: CFBK.</font>
		</p>
		<p style="margin:0pt;line-height:normal;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-family:Tahoma;font-size:10pt;">&nbsp;</font>
		</p>
		<p style="margin:0pt;font-family:Times New Roman;font-size: 8pt">
			<font style="display: inline;font-family:Tahoma;font-weight:bold;font-size:8pt;text-decoration:underline;">About Central Federal Corporation and CFBank</font><font style="display: inline;font-family:Tahoma;font-size:8pt;text-decoration:underline;">&nbsp;</font>
		</p>
		<p style="margin:0pt;font-family:Times New Roman;font-size: 8pt">
			<font style="display: inline;font-family:Tahoma;font-size:8pt;">Central Federal Corporation is the holding company for CFBank, a federally chartered savings association formed in Ohio in 1892. CFBank is a full service business bank, along with being an active residential mortgage lender, in addition to providing consumer deposit and loan products and services.&nbsp;&nbsp;&nbsp;We serve the NE and Central Ohio markets through our offices in Fairlawn and Worthington, Ohio. In addition, we have full service banking offices in Calcutta and Wellsville, Ohio, which are located in what is considered the Utica Shale investment corridor. Additional information about CFBank&#x2019;s banking services and the Company is available at www.CFBankOnline.com. </font>
		</p>
		<p style="margin:0pt;line-height:normal;font-family:Times New Roman;font-size: 8pt">
			<font style="display: inline;font-family:Tahoma;font-size:8pt;">&nbsp;</font>
		</p>
		<p style="margin:0pt;font-family:Times New Roman;font-size: 8pt">
			<font style="display: inline;font-family:Tahoma;font-size:8pt;">Forward-Looking Information</font>
		</p>
		<p style="margin:0pt;font-family:Times New Roman;font-size: 8pt">
			<font style="display: inline;font-family:Tahoma;font-size:8pt;">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.</font>
		</p>
		<p style="margin:0pt;line-height:normal;text-align:center;font-family:Times New Roman;font-size: 12pt">
			<font style="display: inline;">&nbsp;</font>
		</p>
		<p><font size="1"> </font></p><hr size="3" style="color:#999999" width="100%" align="center"></hr>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
