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<TITLE>Filed by Bowne Pure Compliance</TITLE>
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<P style="font-size: 14pt" align="center"><B>UNITED STATES<BR>
SECURITIES AND
EXCHANGE COMMISSION<BR>
<FONT style="font-size: 12pt">Washington, D.C. 20549
</FONT></B>

<P style="font-size: 18pt" align="center"><B>FORM 8-K</B>

<P style="font-size: 12pt" align="center"><B>CURRENT REPORT<BR>
Pursuant to
Section 13 or 15(d) of the Securities Exchange Act of 1934</B>

<P style="font-size: 10pt" align="center"><B>Date of Report (Date of earliest
event reported): February 20, 2009</B>

<P style="font-size: 24pt" align="center"><B>CENTRAL FEDERAL
CORPORATION<BR>
</B><FONT style="font-size: 10pt">(Exact name of registrant as
specified in its charter) </FONT>
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  <TD width="32%">&nbsp;</TD>
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  <TD style="border-bottom: #000000 1px solid"><B>Delaware</B></TD>
  <TD>&nbsp;</TD>
  <TD style="border-bottom: #000000 1px solid"><B>0-25045</B></TD>
  <TD>&nbsp;</TD>
  <TD style="border-bottom: #000000 1px solid"><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>

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cellpadding="0" width="100%" border="0">

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  <TD style="border-bottom: #000000 1px solid"><B>2923 Smith Road, Fairlawn, Ohio</B></TD>
  <TD>&nbsp;</TD>
  <TD style="border-bottom: #000000 1px solid"><B>44333</B></TD>
 </TR>
 <TR valign="top">
  <TD>(Address of Principal Executive Offices)</TD>
  <TD>&nbsp;</TD>
  <TD>(Zip Code)</TD>
 </TR>

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<P style="font-size: 10pt" align="center">Registrant&#8217;s telephone number, including area code: <B>(330) 666-7979</B>
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  <TD style="border-bottom: #000000 1px solid" nowrap><B>Not
Applicable<BR>
</B></TD>
 </TR>
 <TR>
  <TD nowrap>(Former name or former address if changed since last report.)</TD>
 </TR>

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<P style="font-size: 10pt" align="left">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 style="font-size: 10pt" align="left"><FONT face="Wingdings">o</FONT> Written
communications pursuant to Rule 425 under the Securities Act (17 CFR
230.425)<BR>
<BR>
<FONT face="Wingdings">o</FONT> Soliciting material pursuant
to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)<BR>
<BR>
<FONT
face="Wingdings">o</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">o</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 style="display: none; font-size: 10pt" align="center">1
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<P style="font-size: 10pt" align="left"><B>Item&nbsp;2.02 Results of Operations
and Financial Condition</B>

<P style="font-size: 10pt" align="left">On February&nbsp;20, 2009, the
registrant issued a press release announcing performance for the quarter and
year ended December&nbsp;31, 2008. A copy of the press release is included as
Exhibit&nbsp;99 to this report.

<P style="font-size: 10pt" align="left"><B>Item&nbsp;9.01 Financial Statements
and Exhibits</B>

<P style="font-size: 10pt" align="left">(c)&nbsp;Exhibits

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width="4%">&nbsp;</TD>
  <TD nowrap align="left" width="3%">99</TD>
  <TD width="1%">&nbsp;</TD>
  <TD>Press release issued on February&nbsp;20, 2009 announcing performance for
the quarter and year ended December&nbsp;31, 2008.</TD>
 </TR>

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

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

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  <TD>&nbsp;</TD>
  <TD valign="top" align="left" colspan="2">Central Federal Corporation</TD>
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<TR><TD>&nbsp;</TD></TR>

 <TR valign="bottom">
  <TD valign="top">Date: February&nbsp;20, 2009</TD>
  <TD valign="top" align="left">By: </TD>
  <TD valign="top" align="left" style="border-bottom: 1px solid #000000">/s/ Therese Ann Liutkus</TD>
 </TR>

 <TR valign="bottom">
  <TD>&nbsp;</TD>
  <TD>&nbsp;</TD>
  <TD valign="top" align="left">Therese Ann Liutkus, CPA<BR>
Treasurer and Chief Financial Officer</TD>
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<P style="font-size: 10pt" align="center">&nbsp;

<P style="font-size: 10pt" align="center">3
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<P style="font-size: 10pt" align="center">EXHIBIT INDEX




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  <TD align="left" style="border-bottom: 1px solid #000000"><B>Exhibit<BR>Number</B></TD>
  <TD>&nbsp;</TD>
  <TD align="left" style="border-bottom: 1px solid #000000"><B>Description</B></TD>
</TR>

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 <TR valign="top">
  <TD align="left">99</TD>
  <TD>&nbsp;</TD>
  <TD align="left">Press release issued on February&nbsp;20, 2009 announcing performance for
the quarter and year ended December&nbsp;31, 2008.</TD>
 </TR>

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<P style="font-size: 10pt" align="center">4
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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": "09623748"}, "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): February 20, 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
Not
Applicable
(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 2.02 Results of Operations
and Financial Condition
On February 20, 2009, the
registrant issued a press release announcing performance for the quarter and
year ended December 31, 2008. A copy of the press release is included as
Exhibit 99 to this report.
Item 9.01 Financial Statements
and Exhibits
(c) Exhibits
99
Press release issued on February 20, 2009 announcing performance for
the quarter and year ended December 31, 2008.
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: February 20, 2009
By:
/s/ Therese Ann Liutkus
Therese Ann Liutkus, CPA
Treasurer and Chief Financial Officer
3
EXHIBIT INDEX
Exhibit
Number
Description
99
Press release issued on February 20, 2009 announcing performance for
the quarter and year ended December 31, 2008.
4