<SEC-DOCUMENT>0001104659-19-074970.txt : 20191220
<SEC-HEADER>0001104659-19-074970.hdr.sgml : 20191220
<ACCEPTANCE-DATETIME>20191220160522
ACCESSION NUMBER:		0001104659-19-074970
CONFORMED SUBMISSION TYPE:	3
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20191120
FILED AS OF DATE:		20191220
DATE AS OF CHANGE:		20191220

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Pietrzak John
		CENTRAL INDEX KEY:			0001481798

	FILING VALUES:
		FORM TYPE:		3
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-25045
		FILM NUMBER:		191301330

	MAIL ADDRESS:	
		STREET 1:		WEST COAST BANCORP
		STREET 2:		5335 MEADOWS ROAD, SUITE 201
		CITY:			LAKE OSWEGO
		STATE:			OR
		ZIP:			97035

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CENTRAL FEDERAL CORP
		CENTRAL INDEX KEY:			0001070680
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				341877137
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		C/O CFBANK
		STREET 2:		7000 N. HIGH ST.
		CITY:			WORTHINGTON
		STATE:			OH
		ZIP:			43085
		BUSINESS PHONE:		6143347979

	MAIL ADDRESS:	
		STREET 1:		C/O CFBANK
		STREET 2:		7000 N. HIGH ST.
		CITY:			WORTHINGTON
		STATE:			OH
		ZIP:			43085

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	GRAND CENTRAL FINANCIAL CORP
		DATE OF NAME CHANGE:	19980918
</SEC-HEADER>
<DOCUMENT>
<TYPE>3
<SEQUENCE>1
<FILENAME>a3.xml
<DESCRIPTION>3
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0206</schemaVersion>

    <documentType>3</documentType>

    <periodOfReport>2019-11-20</periodOfReport>

    <noSecuritiesOwned>0</noSecuritiesOwned>

    <issuer>
        <issuerCik>0001070680</issuerCik>
        <issuerName>CENTRAL FEDERAL CORP</issuerName>
        <issuerTradingSymbol>CFBK</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001481798</rptOwnerCik>
            <rptOwnerName>Pietrzak John</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>C/O CENTRAL FEDERAL CORPORATION</rptOwnerStreet1>
            <rptOwnerStreet2>7000 NORTH HIGH STREET</rptOwnerStreet2>
            <rptOwnerCity>WORTHINGTON</rptOwnerCity>
            <rptOwnerState>OH</rptOwnerState>
            <rptOwnerZipCode>43085</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeHolding>
            <securityTitle>
                <value>Common Stock 15346Q 400</value>
            </securityTitle>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>531299</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>See Footnote</value>
                    <footnoteId id="F1"/>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeHolding>
    </nonDerivativeTable>

    <footnotes>
        <footnote id="F1">The reporting person is a managing principal of Castle Creek Capital VII LLC, the general partner of Castle Creek Capital Partners VII, LP (&quot;Fund VII&quot;). Fund VII owns 531,299 shares of the Issuer's common stock. The reporting person disclaims beneficial ownership of such shares of common stock, except to the extent of his pecuniary interest in Fund VII, and this report shall not be deemed an admission that the reporting person is the beneficial owner of such shares of common stock for purposes of Section 16 of the Securities Exchange Act of 1934, as amended, or for any other purpose.</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>/S/ JOHN PIETRZAK</signatureName>
        <signatureDate>2019-12-20</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
