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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): May 21, 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;2.02 Results of Operations and Financial Condition</B>


<P align="justify" style="font-size: 10pt"><B>Item&nbsp;7.01 Regulation&nbsp;FD Disclosure</B>


<P align="justify" style="font-size: 10pt">At 10:00 AM on Thursday, May&nbsp;21, 2009, Mark S. Allio, Chairman, President and Chief Executive Officer made a
presentation at the Annual Meeting of shareholders of Central Federal Corporation at the Fairlawn Country Club in
Fairlawn, Ohio. The presentation included slides containing financial information, which are attached as exhibit 99 to
this Form 8-K, and is incorporated herein by reference.


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


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    <TD width="3%" nowrap align="left">(c)</TD>
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    <TD><DIV style="text-align: justify">Exhibits</DIV></TD>
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    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">99</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><DIV style="text-align: justify">Copies of slides used in a presentation at the Annual Meeting of shareholders of Central Federal
Corporation at the Fairlawn Country Club in Fairlawn, Ohio at 10:00 AM on Thursday, May&nbsp;21, 2009.</DIV></TD>
</TR>

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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: 46%; font-size: 10pt">Central Federal Corporation


<P align="justify" style="font-size: 10pt">Date: May&nbsp;21, 2009


<P align="justify" style="font-size: 10pt; margin-left: 46%; font-size: 10pt; margin-top: -11pt">By: <U><B>/</B>s/ Therese Ann Liutkus</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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<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left">99</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><DIV style="text-align: justify">Copies of slides used in a presentation at the Annual Meeting of shareholders of Central Federal Corporation at
the Fairlawn Country Club in Fairlawn, Ohio at 10:00 AM on Thursday, May&nbsp;21, 2009.</DIV></TD>
</TR>

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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": "09844990"}, "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"}}
Form 8-K
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): May 21, 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
Item 7.01 Regulation FD Disclosure
At 10:00 AM on Thursday, May 21, 2009, Mark S. Allio, Chairman, President and Chief Executive Officer made a
presentation at the Annual Meeting of shareholders of Central Federal Corporation at the Fairlawn Country Club in
Fairlawn, Ohio. The presentation included slides containing financial information, which are attached as exhibit 99 to
this Form 8-K, and is incorporated herein by reference.
Item 9.01 Financial Statements and Exhibits
(c)
Exhibits
99
Copies of slides used in a presentation at the Annual Meeting of shareholders of Central Federal
Corporation at the Fairlawn Country Club in Fairlawn, Ohio at 10:00 AM on Thursday, May 21, 2009.
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: May 21, 2009
By:
/
s/ Therese Ann Liutkus
Therese Ann Liutkus, CPA
Treasurer and Chief Financial Officer
3
EXHIBIT INDEX
99
Copies of slides used in a presentation at the Annual Meeting of shareholders of Central Federal Corporation at
the Fairlawn Country Club in Fairlawn, Ohio at 10:00 AM on Thursday, May 21, 2009.
4