EXHIBIT 23.1

            CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

We hereby consent to the incorporation by reference in the Registration
Statements on Form S-8 (333-84817, 333-105515, 333-114025, and 333-115943) and
Form S-3 (333-110218) of Central Federal Corporation (formerly Grand Central
Financial Corp.) of our report dated February 10, 2005, related to the
consolidated financial statements of Central Federal Corporation included in
this annual report on Form 10-KSB for the year ended December 31, 2004.

                                                    Crowe Chizek and Company LLC

Cleveland, Ohio
March 30, 2005

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