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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,
 OaUSZGDYtM9uq7H1REyvt+8FBIADD92EY3AqbrfOHo8kXSU76AqgAwzIFaybPRPd
 264omPSZ6Q0h1m9RHnidEw==

<SEC-DOCUMENT>9999999997-03-015865.txt : 20030408
<SEC-HEADER>9999999997-03-015865.hdr.sgml : 20030408
<ACCEPTANCE-DATETIME>20030408114044
<PAPER>
ACCESSION NUMBER:		9999999997-03-015865
CONFORMED SUBMISSION TYPE:	ARS
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20021231
FILED AS OF DATE:		20030407
EFFECTIVENESS DATE:		20030407

FILER:

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

	FILING VALUES:
		FORM TYPE:		ARS
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-25045
		FILM NUMBER:		03019888

	BUSINESS ADDRESS:	
		STREET 1:		C/O CENTRAL FEDERAL SAVINGS AND LOAN
		STREET 2:		ASSOCIATION OF WELLSVILLE 601 MAIN ST
		CITY:			WELLSVILLE
		STATE:			OH
		ZIP:			43968
		BUSINESS PHONE:		3305321517

	MAIL ADDRESS:	
		STREET 1:		C/O CENTRAL FEDERAL SAVINGS & LOAN
		STREET 2:		WELLSVILLE /601 MAIN ST
		CITY:			WELLSVILLE
		STATE:			OH
		ZIP:			43968
</SEC-HEADER>
<DOCUMENT>
<TYPE>ARS
<SEQUENCE>1
<FILENAME>9999999997-03-015865.paper
<DESCRIPTION>AUTO-GENERATED PAPER DOCUMENT
<TEXT>
This document was generated as part of a paper submission.
Please reference the Document Control Number 03019888 for access to the original document.
</TEXT>
</DOCUMENT>
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