CENTRAL FEDERAL CORPORATION
Exhibit 32.1
Section 1350 Certifications of the Chief Executive Officer and Chief Financial Officer

Pursuant to 18 U.S.C. Section 1350, each of the undersigned officers of Central Federal Corporation (the “Company”), hereby certifies that the (i) Company’s Form 10-QSB for the fiscal quarter ended September 30, 2006 (the “Report”) fully complies with the requirements of Section 13(a) or 15(d), as applicable, of the Securities Exchange Act of 1934 and (ii) the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

Dated: November 13, 2006	By:	/s/ Mark S. Allio
		Mark S. Allio
		Chairman of the Board, President and
		Chief Executive Officer
Dated: November 13, 2006	By:	/s/ Therese Ann Liutkus
		Therese Ann Liutkus, CPA
		Treasurer and Chief Financial Officer