-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 APABAdshaEHw//fFu3YEMZfvjW7BnbwwcwxzTeLB4R4Ol1IjtlNXqGoM+p4ut3vH
 l1E5cnenmAl3ARZQXYgJgw==

<SEC-DOCUMENT>0001209191-03-020752.txt : 20030909
<SEC-HEADER>0001209191-03-020752.hdr.sgml : 20030909
<ACCEPTANCE-DATETIME>20030909151341
ACCESSION NUMBER:		0001209191-03-020752
CONFORMED SUBMISSION TYPE:	3/A
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030707
FILED AS OF DATE:		20030909

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			MACKUS ELOISE L
		CENTRAL INDEX KEY:			0001256076

	FILING VALUES:
		FORM TYPE:		3/A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-25045
		FILM NUMBER:		03887900

	BUSINESS ADDRESS:	
		STREET 1:		P O BOX 345
		CITY:			WELLSVILLE
		STATE:			OH
		ZIP:			43968
		BUSINESS PHONE:		3305321517

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CENTRAL FEDERAL CORP
		CENTRAL INDEX KEY:			0001070680
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				341877137
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		C/O CENTRAL FEDERAL BANK
		STREET 2:		601 MAIN ST
		CITY:			WELLSVILLE
		STATE:			OH
		ZIP:			43968
		BUSINESS PHONE:		3305321517

	MAIL ADDRESS:	
		STREET 1:		C/O CENTRAL FEDERAL BANK
		STREET 2:		601 MAIN ST
		CITY:			WELLSVILLE
		STATE:			OH
		ZIP:			43968

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	GRAND CENTRAL FINANCIAL CORP
		DATE OF NAME CHANGE:	19980918
</SEC-HEADER>
<DOCUMENT>
<TYPE>3/A
<SEQUENCE>1
<FILENAME>bcl02896_bcl1elm.xml
<DESCRIPTION>MAIN DOCUMENT DESCRIPTION
<TEXT>
<XML>
<?xml version="1.0"?><ownershipDocument><schemaVersion>X0201</schemaVersion>    <documentType>3/A</documentType><periodOfReport>2003-07-07</periodOfReport><dateOfOriginalSubmission>2003-07-28</dateOfOriginalSubmission><noSecuritiesOwned>0</noSecuritiesOwned><issuer><issuerCik>0001070680</issuerCik><issuerName>CENTRAL FEDERAL CORP</issuerName>        <issuerTradingSymbol>GCFC </issuerTradingSymbol></issuer><reportingOwner><reportingOwnerId><rptOwnerCik>0001256076</rptOwnerCik><rptOwnerName>MACKUS ELOISE L</rptOwnerName></reportingOwnerId><reportingOwnerAddress><rptOwnerStreet1>PO BOX 345</rptOwnerStreet1><rptOwnerStreet2></rptOwnerStreet2><rptOwnerCity>WELLSVILLE</rptOwnerCity><rptOwnerState>OH</rptOwnerState><rptOwnerZipCode>43968</rptOwnerZipCode><rptOwnerStateDescription></rptOwnerStateDescription></reportingOwnerAddress><reportingOwnerRelationship><isDirector>0</isDirector><isOfficer>1</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther><officerTitle>SVP, General Counsel</officerTitle><
/reportingOwnerRelationship></reportingOwner><derivativeTable><derivativeHolding><securityTitle><value>Common Stock (Restricted)</value></securityTitle><conversionOrExercisePrice><value>0</value></conversionOrExercisePrice><exerciseDate><value>2004-06-30</value></exerciseDate><expirationDate><value>2014-06-30</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>GCFC</value></underlyingSecurityTitle><underlyingSecurityShares><value>1000</value></underlyingSecurityShares></underlyingSecurity><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Common Stock (Restricted)</value></securityTitle><conversionOrExercisePrice><value>0</value></conversionOrExercisePrice><exerciseDate><value>2005-06-30</value></exerciseDate><expirationDate><value>2015-06-30</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>GCFC</value></underlyingSecurityTitle><underlyingSecur
ityShares><value>1000</value></underlyingSecurityShares></underlyingSecurity><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Common Stock (Restricted)</value></securityTitle><conversionOrExercisePrice><value>0</value></conversionOrExercisePrice><exerciseDate><value>2006-06-30</value></exerciseDate><expirationDate><value>2016-06-30</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>GCFC</value></underlyingSecurityTitle><underlyingSecurityShares><value>1000</value></underlyingSecurityShares></underlyingSecurity><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Common Stock (Options)</value></securityTitle><conversionOrExercisePrice><value>12.70</value></conversionOrExercisePrice><exerciseDate><value>2004-06-30</value></exerciseDate><expirationDate><value
>2014-06-30</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>GCFC</value></underlyingSecurityTitle><underlyingSecurityShares><value>2330</value></underlyingSecurityShares></underlyingSecurity><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Common Stock (Options)</value></securityTitle><conversionOrExercisePrice><value>12.70</value></conversionOrExercisePrice><exerciseDate><value>2005-06-30</value></exerciseDate><expirationDate><value>2015-06-30</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>GCFC</value></underlyingSecurityTitle><underlyingSecurityShares><value>2330</value></underlyingSecurityShares></underlyingSecurity><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Common Stock (Options)</value></securityTitle><convers
ionOrExercisePrice><value>12.70</value></conversionOrExercisePrice><exerciseDate><value>2006-06-30</value></exerciseDate><expirationDate><value>2016-06-30</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>GCFC</value></underlyingSecurityTitle><underlyingSecurityShares><value>2340</value></underlyingSecurityShares></underlyingSecurity><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeHolding></derivativeTable><ownerSignature><signatureName>/s/ Eloise L. Mackus</signatureName><signatureDate>2003-09-03</signatureDate></ownerSignature></ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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