Exhibit 24

                           Central Federal Corporation
                               Power of Attorney
                       Registration Statement on Form S-3


The undersigned directors and officers of Central Federal Corporation (the
"Company") hereby constitute and appoint Eloise L. Mackus, J. Bret Treier,
Stanley E. Everett, and each of them, with full power of substitution and
resubstitution, as attorneys or attorney of the undersigned, to execute and file
under the Securities Act of 1933 a registration statement on Form S-3 to
register certain shares of the Company's Common Stock, and any and all
amendments and exhibits thereto and any and all applications or other documents
to be filed with the Securities and Exchange Commission, National Association of
Securities Dealers and any state securities agencies pertaining to such
registration statement, with full power and authority to do and perform any and
all acts and things whatsoever necessary, appropriate or desirable to be done in
the premises, or in the name, place and stead of the said directors and
officers, hereby ratifying and approving the acts of said attorneys and any of
them and any such substitute.

Dated the 4th day of November, 2003, unless otherwise indicated.

SIGNATURE                      TITLE

/s/ David C. Vernon            Chairman, President and Chief Executive Officer
-------------------            (principal executive officer)
David C. Vernon

/s/ Kelley L. Nanna            Treasurer (principal financial officer and
-------------------            principal accounting officer)
Kelley L. Nanna

/s/ Jeffrey W. Aldrich         Director
----------------------
Jeffrey W. Aldrich

/s/ Thomas P. Ash              Director
-----------------
Thomas P. Ash

/s/ W. R. Downing              Director
-----------------
W. R. Downing

/s/ Gerry W. Grace             Director
------------------
Gerry W. Grace

/s/Jerry F. Whitmer            Director
-------------------
Jerry F. Whitmer