UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


                                    FORM 8-K


                                 CURRENT REPORT
     Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934


       Date of Report (Date of Earliest Event Reported): October 21, 2005


                           CENTRAL FEDERAL CORPORATION
                           ---------------------------
             (Exact Name of Registrant as Specified in its Charter)

<Table>

                                                  
          Delaware                     0-25045                 34-1877137
          --------                     -------                 ----------

(State or Other Jurisdiction of      (Commission             (IRS Employer
       Incorporation)                File Number)       Identification Number)


    2923 Smith Road, Fairlawn, Ohio          44333           (330) 666-7979
    -------------------------------          -----           ---------------
(Address of Principal Executive Offices)   (Zip Code)  (Registrant's Telephone Number)
</Table>

                                 Not Applicable
                                 --------------
          (Former Name or Former Address, if Changed Since Last Report)


Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions:

[ ]  Written communications pursuant to Rule 425 under the Securities Act (17
     CFR 230.425)

[ ]  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
     240.14a-12)

[ ]  Pre-commencement communications pursuant to Rule 14d-2(b) under the
     Exchange Act (17 CFR 240.14d-2(b))

[ ]  Pre-commencement communications pursuant to Rule 13e-4(c) under the
     Exchange Act (17 CFR 240.13e-4(c))





ITEM 2.02 RESULTS OF OPERATIONS AND FINANCIAL CONDITION

On October 21, 2005, the registrant issued a press release announcing a loss for
the third quarter of 2005. A copy of the press release is included as Exhibit 99
to this report.

ITEM 9.01 FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS

(c) Exhibits

         99       Press release issued on October 21, 2005 announcing a loss for
                  the registrant's fiscal quarter ended September 30, 2005.





                                   SIGNATURES


Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.

                                      Central Federal Corporation

Date:  October 21, 2005           By: /s/ Therese Ann Liutkus
                                      -----------------------------------
                                      Therese Ann Liutkus, CPA
                                      Treasurer and Chief Financial Officer