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): May 6, 2003 CENTRAL FEDERAL CORPORATION (Exact name of registrant as specified in its charter) Delaware 0-25045 34-1877137 (State or other jurisdiction of (Commission (IRS employer incorporation or organization) file number) identification number) 601 Main Street, Wellsville, Ohio 43968 (330) 531-1517 (Address of Principal Executive Offices) (Zip Code) (Telephone Number) Item 5 Other Events and Required FD Disclosure On May 6, 2003, the registrant issued a press release announcing that it will open its first central Ohio office in Columbus, Ohio this summer and another office in Akron, Ohio later this year. Item 7 Financial Statements, Pro Forma Financial Information and Exhibits. (c) Exhibits 99 Press Release dated May 6, 2003 announcing that the registrant will open its first central Ohio office in Columbus, Ohio this summer and another office in Akron, Ohio later this year. SIGNATURE 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 Dated: May 7, 2003 By: /s/ David C. Vernon --------------------- David C. Vernon President