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<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): January 23, 2009</B>

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<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)
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    <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>
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    <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>
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    <TD style="border-bottom: 1px solid #000000"><B>2923 Smith Road, Fairlawn, Ohio<BR></B></TD>
    <TD>&nbsp;</TD>
    <TD style="border-bottom: 1px solid #000000"><B>44333</B></TD>
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    <TD>(Address of Principal Executive Offices)</TD>
    <TD>&nbsp;</TD>
    <TD>(Zip Code)</TD>
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<P align="center" style="font-size: 10pt">Registrant&#146;s telephone number, including area code: <B>(330) 666-7979</B>


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    <TD nowrap>(Former name or former address if changed since last report.)</TD>
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<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:

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<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>


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


<P align="justify" style="font-size: 10pt">On January&nbsp;23, 2009, the registrant issued a press release indicating that the Annual Meeting of shareholders would
take place on May&nbsp;21, 2009. The record date for shareholders to vote at the meeting was set at April&nbsp;10, 2009.


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


<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 Press release issued January&nbsp;23, 2009 announcing the date of the Annual Meeting and record date for
shareholders eligible to vote at the meeting.


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<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: 45%">Central Federal Corporation


<P align="justify" style="font-size: 10pt; margin-left: 4%">Date: January&nbsp;23, 2009


<P align="justify" style="font-size: 10pt; margin-left: 45%; margin-top: -11pt">By: <U><B>/</B>s/ Therese Ann Liutkus&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>
<BR>
Therese Ann Liutkus, CPA
<BR>
Treasurer and Chief Financial Officer


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



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    <TD valign="top"><DIV style="margin-left:10px; text-indent:-10px">99</DIV></TD>
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    <TD align="left">Press release issued January&nbsp;23, 2009 announcing the date of the Annual Meeting and record date for
shareholders eligible to vote at the meeting.</TD>
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{"company-data": {"conformed-name": "CENTRAL FEDERAL CORP", "cik": "0001070680", "assigned-sic": "6035", "irs-number": "341877137", "state-of-incorporation": "DE", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-25045", "film-number": "09542229"}, "business-address": {"street1": "C/O CENTRAL FEDERAL BANK", "street2": "601 MAIN ST", "city": "WELLSVILLE", "state": "OH", "zip": "43968", "phone": "3305321517"}, "mail-address": {"street1": "C/O CENTRAL FEDERAL BANK", "street2": "601 MAIN ST", "city": "WELLSVILLE", "state": "OH", "zip": "43968"}, "former-company": {"former-conformed-name": "GRAND CENTRAL FINANCIAL CORP", "date-changed": "19980918"}}
Filed by Bowne Pure Compliance
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
Date of Report (Date of earliest event reported): January 23, 2009
CENTRAL FEDERAL CORPORATION
(Exact name of registrant as specified in its charter)
Delaware
0-25045
34-1877137
(State or other Jurisdiction of Incorporation)
(Commission File Number)
(IRS Employer Identification No.)
2923 Smith Road, Fairlawn, Ohio
44333
(Address of Principal Executive Offices)
(Zip Code)
Registrant's telephone number, including area code:
(330) 666-7979
(Former name or former address if changed since last report.)
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:
o
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
o
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
o
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
o
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Item 8.01 Other Events.
On January 23, 2009, the registrant issued a press release indicating that the Annual Meeting of shareholders would
take place on May 21, 2009. The record date for shareholders to vote at the meeting was set at April 10, 2009.
The press release is attached as exhibit 99.
Item 9.01. Exhibits
99 Press release issued January 23, 2009 announcing the date of the Annual Meeting and record date for
shareholders eligible to vote at the meeting.
2
SIGNATURES
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.
Central Federal Corporation
Date: January 23, 2009
By:
/
s/ Therese Ann Liutkus
Therese Ann Liutkus, CPA
Treasurer and Chief Financial Officer
3
EXHIBIT INDEX
99
Press release issued January 23, 2009 announcing the date of the Annual Meeting and record date for
shareholders eligible to vote at the meeting.
4