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            EXHIBIT 23.1      CONSENT OF CROWE CHIZEK AND COMPANY LLC




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                         INDEPENDENT AUDITORS' CONSENT


We consent to the incorporation by reference in this  Registration  Statement on
Form S-8 of Central Federal Corporation (Formerly Grand Central Financial Corp.)
of our report  dated  February  19,  2003,  on the  consolidated  statements  of
financial  condition of Central Federal  Corporation as of December 31, 2002 and
2001 and for the years then ended which report  appears in the Annual  Report on
Form 10-KSB of Central Federal Corporation for the year ended December 31, 2002.




                                            /s/Crowe Chizek and Company LLC



Cleveland, Ohio
May 23, 2003