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): July 16, 2004
CENTRAL FEDERAL CORPORATION
(Exact name of registrant as specified in its charter)
Delaware 0-25045 34-1877137
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(State or other jurisdiction of (Commission (IRS Employer
incorporation or organization) File Number) Identification Number)
2923 Smith Road Fairlawn, Ohio 44333 (330) 666-7979
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(Address of principal (Zip Code) (Registrant's Telephone
executive offices) Number)
ITEM 12. RESULTS OF OPERATIONS AND FINANCIAL CONDITION
On July 16, 2004, the registrant issued a press release announcing earnings for
the second quarter of 2004.
A copy of the press release is included as Exhibit 99 to this Current Report on
Form 8-K.
ITEM 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS
(c) Exhibits
99 Press release issued on July 16, 2004
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: July 16, 2004 By: /s/ Therese Ann Liutkus
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Therese Ann Liutkus, CPA
Chief Financial Officer