Document:

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                                                                    EXHIBIT 10.1

        SALARY CONTINUATION AGREEMENT BETWEEN CFBANK AND DAVID C. VERNON

                                     CFBANK
                          SALARY CONTINUATION AGREEMENT

      THIS SALARY CONTINUATION AGREEMENT (the "AGREEMENT") is adopted as of this
25th day of May, 2004, by and between CFBANK, a federally-chartered savings
association located in Fairlawn, Ohio (the "COMPANY"), and David C. Vernon (the
"EXECUTIVE").

      The purpose of this Agreement is to provide specified benefits to the
Executive, a member of a select group of management or highly compensated
employees who contribute materially to the continued growth, development and
future business success of the Company. This Agreement shall be unfunded for tax
purposes and for purposes of Title I of the Employee Retirement Income Security
Act of 1974 ("ERISA"), as amended from time to time. The Company will pay the
benefits from its general assets.

The Company and the Executive agree as provided in this Agreement.

                                    ARTICLE 1
                                   DEFINITIONS

Whenever used in this Agreement, the following words and phrases shall have the
meanings specified:

1.1   "ACCRUAL BALANCE" means the liability that should be accrued by the
      Company, under Generally Accepted Accounting Principles ("GAAP"), for the
      Company's obligation to the Executive under this Agreement, by applying
      Accounting Principles Board Opinion Number 12 ("APB 12") as amended by
      Statement of Financial Accounting Standards Number 106 ("FAS 106") and the
      Discount Rate. Any one of a variety of amortization methods may be used to
      determine the Accrual Balance, in the sole discretion of the Board of
      Directors of the Company. However, once chosen, the method must be
      consistently applied. The Accrual Balance shall be reported by the Company
      to the Executive on SCHEDULE A.

1.2   "BENEFICIARY" means each designated person, or the estate of the deceased
      Executive, entitled to benefits, if any, upon the death of the Executive,
      as determined under Article 4.

1.3      "BENEFICIARY DESIGNATION FORM" means the form established from time to
         time by the Plan Administrator that the Executive completes, signs and
         returns to the Plan Administrator to designate one or more
         Beneficiaries.

1.4   "CHANGE OF CONTROL" means:

      1.4.1 the transfer of shares of the Company's voting common stock such
            that one entity or one person acquires (or is deemed to acquire when
            applying Section 318 of the Code) more than 50% of the Company's
            outstanding voting common stock followed within 12 months by the
            Executive's Termination of Employment for reasons other than death,
            Disability or retirement; or

      1.4.2 such definition of Change of Control hereafter promulgated by the
            Secretary of the Treasury or other authorized regulatory body in
            which case such definition shall

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            supersede any other definition of Change of Control in this
            Agreement and shall control the terms of this Agreement.

1.5   "CLAIMANT" means an Executive or Beneficiary who has not received benefits
      under the Agreement that he or she believes should be paid.

1.6   "CODE" means the Internal Revenue Code of 1986, as amended.

1.7   "COMPANY" means Central Federal Corporation, a Delaware corporation.

1.8   "DISABILITY" means:

      1.8.1 the Executive's suffering a sickness, accident or injury which has
            been determined by the carrier of any individual or group disability
            insurance policy covering the Executive, or by the Social Security
            Administration, to be a disability rendering the Executive totally
            and permanently disabled, and the Executive must submit proof to the
            Plan Administrator of the carrier's or Social Security
            Administration's determination upon the request of the Plan
            Administrator; or

      1.8.2 any definition of Disability published by the Secretary of the
            Treasury or any other authorized regulatory body, in which case such
            definition shall supersede any other definition of Disability in
            this Agreement and shall control the terms of this Agreement.

1.9   "DISCOUNT RATE" means the rate used by the Plan Administrator for
      determining the Accrual Balance. The initial Discount Rate is six percent
      (6%). However, the Plan Administrator, in its sole discretion, may adjust
      the Discount Rate to maintain the rate within reasonable standards
      according to GAAP.

1.10  "EARLY TERMINATION" means the Termination of Employment before Normal
      Retirement Age for reasons other than death, Disability, Termination for
      Cause or following a Change of Control. Further, the term "EARLY
      TERMINATION DATE" means the month, day and year in which such Early
      Termination occurs.

1.11  "EFFECTIVE DATE" means June 1, 2004.

1.12  "EXCESS PARACHUTE PAYMENT" has the meaning described in Section 280G of
      the Code, as amended from time to time.

1.13  "NORMAL RETIREMENT AGE" means the Executive's 66th birthday.

1.14  "NORMAL RETIREMENT DATE" means the later of the Executive reaching his
      Normal Retirement Age or the Termination of Employment of the Executive.

1.15  "PLAN ADMINISTRATOR" means the plan administrator described in Article 8.

1.16  "PLAN YEAR" means each 12-month period commencing on the Effective Date.

1.17  "SPECIFIED EMPLOYEE" is, for purposes of Section 2.2.3, a key employee (as
      defined in section 416(i) of the Code, as amended) of a corporation the
      stock in which is publicly traded on an established securities market or
      otherwise.

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1.18  "TERMINATION FOR CAUSE" has that meaning set forth in Article 5.

1.19  "TERMINATION OF EMPLOYMENT" means that the Executive ceases to be employed
      by the Company for any reason, voluntary or involuntary, other than by
      reason of a leave of absence approved by the Company.

                                    ARTICLE 2
                            BENEFITS DURING LIFETIME

2.1   Normal Retirement Benefit. Upon Termination of Employment on or after the
      Normal Retirement Age for reasons other than death, the Company shall pay
      to the Executive the benefit described in this Section 2.1 in lieu of any
      other benefit under this Article.

      2.1.1 Amount of Benefit. The annual benefit under this Section 2.1 is
            $25,000.

      2.1.2 Payment of Benefit. The Company shall pay the annual benefit to the
            Executive in 12 equal monthly installments commencing on the first
            day of the month following the Executive's Normal Retirement Date
            and continuing on the first day of the month thereafter until paid
            in full. The annual benefit, as provided hereunder, shall be paid to
            the Executive for a period of twenty (20) years and shall be paid
            without interest.

2.2   Early Termination Benefit. Upon Early Termination, the Company shall pay
      to the Executive the benefit described in this Section 2.2 in lieu of any
      other benefit under this Article.

      2.2.1 Amount of Benefit. The annual benefit under this Section 2.2 is the
            Early Termination Benefit set forth on Schedule A for the Plan Year
            during which the Early Termination Date occurs. This benefit, as
            provided in Schedule A, is determined by vesting the Executive in
            100% of the then existing Accrual Balance for the Plan Year during
            which the Early Termination Date occurs in accordance with Schedule
            A.

      2.2.2 Payment of Benefit. The Company shall pay the annual benefit to the
            Executive in 12 consecutive equal monthly installments commencing
            with the first day of the month following the Executive's Normal
            Retirement Age and continuing on the first day of the month
            thereafter until paid in full. The annual benefit, as provided
            hereunder, shall be paid to the Executive for a period of twenty
            (20) years and shall be paid without interest.

      2.2.3 Restriction on Timing of Payment. Notwithstanding any provision of
            this Agreement to the contrary, if the Executive is considered a
            Specified Employee, payment under this Section 2.2 may not be made
            earlier than six months after the date of the Early Termination.

2.3   Disability Benefit. Upon Termination of Employment due to Disability prior
      to Normal Retirement Age, the Company shall pay to the Executive the
      benefit described in this Section 2.3 in lieu of any other benefit under
      this Article.

      2.3.1 Amount of Benefit. The annual benefit under this Section 2.3 is the
            Disability Benefit set forth on Schedule A for the Plan Year during
            which the Termination of Employment occurs. This benefit, as
            provided in Schedule A, is determined by vesting the Executive in
            100% of the then existing Accrual Balance for the Plan Year during
            which the Termination of Employment occurs in accordance with
            Schedule A.

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      2.3.2 Payment of Benefit. The Company shall pay the annual benefit to the
            Executive in 12 consecutive equal monthly installments commencing
            with the first day of the month following the Executive's Normal
            Retirement Age and continuing on the first day of the month
            thereafter until paid in full. The annual benefit, as provided
            hereunder, shall be paid to the Executive for a period of twenty
            (20) years and shall be paid without interest.

2.4   Change of Control Benefit. Upon a Change of Control, the Company shall pay
      to the Executive the benefit described in this Section 2.4 in lieu of any
      other benefit under this Article.

      2.4.1 Amount of Benefit. The benefit under this Section 2.4 is the Change
            of Control Benefit set forth on Schedule A for the Plan Year during
            which Termination of Employment occurs. This benefit, as provided in
            Schedule A, is determined by vesting the Executive in 100% of the
            Normal Retirement Benefit amount described in Section 2.1.1.

      2.4.2 Payment of Benefit. The Company shall pay the annual benefit to the
            Executive in 12 equal monthly installments commencing with the first
            day of the month following the Executive's Normal Retirement Age and
            continuing on the first day of the month thereafter until paid in
            full. The annual benefit, as provided hereunder, shall be paid to
            the Executive for a period of twenty (20) years and shall be paid
            without interest.

      2.4.3 Parachute Payments. Notwithstanding any provision of this Agreement
            to the contrary, to the extent the amount or timing of any
            payment(s), if made, under this Section 2.4 would be treated as an
            Excess Parachute Payment, the Company shall either reduce or delay,
            in the sole discretion of the Board of Directors, the payment(s)
            under this Section 2.4 to the extent it would not be an Excess
            Parachute Payment.

                                    ARTICLE 3
                                 DEATH BENEFITS

3.1   Death During Active Service. If the Executive dies while in the active
      service of the Company, the Company shall pay to the Beneficiary(ies) the
      benefit described in this Section 3.1. This benefit shall be paid in lieu
      of the benefits under Article 2.

      3.1.1 Amount of Benefit. The benefit under this Section 3.1 is the Normal
            Retirement Benefit amount described in Section 2.1.1.

      3.1.2 Payment of Benefit. The Company shall pay the annual benefit to the
            Beneficiary(ies) in 12 equal monthly installments commencing on the
            first day of the month following the Executive's death and
            continuing on the first day of the month thereafter until paid in
            full. The annual benefit, as provided hereunder, shall be paid to
            the Executive for a period of twenty (20) years and shall be paid
            without interest.

3.2   Death During Payment of a Benefit. If the Executive dies after any benefit
      payments have commenced under Article 2 of this Agreement but before
      receiving all such payments, the Company shall pay the remaining benefits
      to the Beneficiary(ies) at the same time and in the same amounts they
      would have been paid to the Executive had the Executive survived.

   3.2   Death After Termination of Employment But Before Payment of a Benefit
         Commences. If the Executive is entitled to any benefit payments under
         Article 2 of this Agreement, but dies prior to the commencement of said
         benefit payments, the Company shall pay the same benefit payments to
         the Beneficiary(ies) that the Executive was entitled to prior to death
         except that the benefit

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         payments shall commence on the first day of the month following the
         date of the Executive's death.

                                    ARTICLE 4
                                  BENEFICIARIES

4.1   Beneficiary Designation. The Executive shall have the right, at any time,
      to designate a Beneficiary(ies) to receive any benefits payable under this
      Agreement upon the death of the Executive. The Beneficiary(ies) designated
      under this Agreement may be the same as or different from the beneficiary
      designation under any other benefit plan of the Company in which the
      Executive participates.

4.2   Beneficiary Designation: Change. The Executive shall designate a
      Beneficiary by completing and signing the Beneficiary Designation Form,
      and delivering it to the Plan Administrator or its designated agent. The
      Executive's Beneficiary designation shall be deemed automatically revoked
      if the Beneficiary predeceases the Executive or if the Executive names a
      spouse as Beneficiary and the marriage is subsequently dissolved or
      otherwise terminated by court order. The Executive shall have the right to
      change a Beneficiary by completing, signing and otherwise complying with
      the terms of the Beneficiary Designation Form and the Plan Administrator's
      rules and procedures, as in effect from time to time. Upon the acceptance
      by the Plan Administrator of a new Beneficiary Designation Form, all
      Beneficiary designations previously filed shall be cancelled. The Plan
      Administrator shall be entitled to rely on the last Beneficiary
      Designation Form filed by the Executive and accepted by the Plan
      Administrator prior to the Executive's death.

4.3   Acknowledgment. No designation or change in designation of a Beneficiary
      shall be effective until received, accepted and acknowledged in writing by
      the Plan Administrator or its designated agent.

4.4   No Beneficiary Designation. If the Executive dies without a valid
      beneficiary designation, or if all designated Beneficiaries predecease the
      Executive, then the Executive's spouse shall be the designated
      Beneficiary. If the Executive has no surviving spouse, the benefits shall
      be made to the personal representative of the Executive's estate.

4.5   Facility of Payment. If the Plan Administrator determines in its
      discretion that a benefit is to be paid to a minor, to a person declared
      incompetent, or to a person incapable of handling the disposition of that
      person's property, as determined in the sole discretion of the Plan
      Administrator, the Plan Administrator may direct payment of such benefit
      to the guardian, legal representative or person having the care or custody
      of such minor, incompetent person or incapable person. The Plan
      Administrator may obtain or require proof of incompetence, minority or
      guardianship as it may deem appropriate prior to distribution of the
      benefit. Any payment of a benefit shall be a payment for the account of
      the Executive and the Executive's Beneficiary(ies), as the case may be,
      and shall be a complete discharge of any liability under the Agreement for
      such payment amount.

                                    ARTICLE 5
                               GENERAL LIMITATIONS

5.1   Termination for Cause. Notwithstanding any provision of this Agreement to
      the contrary, the Company shall not pay any benefit under this Agreement
      if the Company's Board of Directors terminates the Executive's employment
      for:

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      (a)   Gross negligence or gross neglect of duties to the Company;

      (b)   Commission of a felony or of a gross misdemeanor involving moral
            turpitude;

      (c)   Fraud, disloyalty, dishonesty or Willful violation of any law or
            significant Company policy committed in connection with the
            significant Company policy committed in connection with the
            Executive's employment and resulting in a material adverse effect on
            the Company; or

      (d)   Issuance of an order for removal of the Executive by the Company's
            banking regulators.

5.2   Suicide or Misstatement. The Company shall not pay any benefit under this
      Agreement if the Executive commits suicide within two (2) years after the
      Effective Date. In addition, the Company shall not pay any benefit under
      this Agreement if the Executive has made any material misstatement of fact
      on any application for life insurance owned by the Company on the
      Executive's life or otherwise provides any information which invalidates
      any life insurance policy owned by the Company on the Executive's life.

                                    ARTICLE 6
                          CLAIMS AND REVIEW PROCEDURES

6.1   Claims Procedure. A Claimant shall make a claim as follows for benefits
      that he or she believes should have been paid:

      6.1.1 Initiation - Written Claim. The Claimant initiates a claim by
            submitting to the Plan Administrator a written claim for the
            benefits.

      6.1.2 Timing of Plan Administrator Response. The Plan Administrator shall
            respond to the Claimant within 90 days after receiving the claim. If
            the Plan Administrator determines that special circumstances require
            additional time for processing the claim, the Plan Administrator can
            extend the response period by an additional 90 days by notifying the
            claimant in writing, prior to the end of the initial 90-day period,
            that an additional period is required. The notice of extension must
            set forth the special circumstances and the date by which the Plan
            Administrator expects to render its decision.

      6.1.3 Notice of Decision. If the Plan Administrator denies part or all of
            the claim, the Plan Administrator shall notify the Claimant in
            writing of the denial. The Plan Administrator shall write the
            notification in a manner calculated to be understood by the
            Claimant. The notification shall set forth:

            (a)   The specific reasons for the denial;

            (b)   A reference to the specific provisions of the Agreement on
                  which the denial is based;

            (c)   A description of any additional information or material
                  necessary for the Claimant to perfect the claim and an
                  explanation of why it is needed;

            (d)   An explanation of the Agreement's review procedures and the
                  time limits applicable to such procedures; and

            (e)   A statement of the Claimant's right to bring a civil action
                  under ERISA Section 502(a) following an adverse benefit
                  determination on review.

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6.2   Review Procedure. If the Plan Administrator denies part or all of the
      claim, the Claimant shall have the opportunity for a full and fair review
      by the Plan Administrator of the denial, as follows:

      6.2.1 Initiation - Written Request. To initiate the review, the Claimant,
            within 60 days after receiving the Plan Administrator's notice of
            denial, must file with the Plan Administrator a written request for
            review.

      6.2.2 Additional Submissions - Information Access. The Claimant shall then
            have the opportunity to submit written comments, documents, records
            and other information relating to the claim. The Plan Administrator
            shall also provide the Claimant, upon request and free of charge,
            reasonable access to, and copies of, all documents, records and
            other information relevant (as defined in applicable ERISA
            regulations) to the Claimant's claim for benefits.

      6.2.3 Considerations on Review. In considering the review, the Plan
            Administrator shall take into account all materials and information
            the Claimant submits relating to the claim, without regard to
            whether such information was submitted or considered in the initial
            benefit determination.

      6.2.4 Timing of Plan Administrator Response. The Plan Administrator shall
            respond in writing to the Claimant within 60 days after receiving
            the request for review. If the Plan Administrator determines that
            special circumstances require additional time for processing the
            claim, the Plan Administrator can extend the response period by an
            additional 60 days by notifying the Claimant in writing, prior to
            the end of the initial 60-day period, that an additional period is
            required. The notice of extension must set forth the special
            circumstances and the date by which the Plan Administrator expects
            to render its decision.

      6.2.5 Notice of Decision. The Plan Administrator shall notify the Claimant
            in writing of its decision on review. The Plan Administrator shall
            write the notification in a manner calculated to be understood by
            the Claimant. The notification shall set forth:

            (a)   The specific reasons for the denial;

            (b)   A reference to the specific provisions of the Agreement on
                  which the denial is based;

            (c)   A statement that the Claimant is entitled to receive, upon
                  request and free of charge, reasonable access to, and copies
                  of, all documents, records and other information relevant (as
                  defined in applicable ERISA regulations) to the Claimant's
                  claim for benefits; and

            (d)   A statement of the Claimant's right to bring a civil action
                  under ERISA Section 502(a).

                                    ARTICLE 7
                           AMENDMENTS AND TERMINATION

This Agreement may be amended or terminated only by a written agreement signed
by the Company and the Executive; provided, however, that if the Company's Board
of Directors determines that the Executive is no longer a member of a select
group of management or highly compensated employees, as that phrase applies to
ERISA, for reasons other than death, Disability or retirement or determines this
Agreement must be amended to comply with any federal, state or local law or
regulation concerning the subject matter hereof, the Company may amend or
terminate this Agreement without the written agreement of the

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Executive. Upon such amendment or termination, the Company shall pay benefits to
the Executive as if Early Termination occurred on the date of such amendment or
termination, regardless whether Early Termination actually occurs. Additionally,
the Company may amend this Agreement to conform with written directives to the
Company from its banking regulators.

                                    ARTICLE 8
                           ADMINISTRATION OF AGREEMENT

8.1   Plan Administrator Duties. This Agreement shall be administered by a Plan
      Administrator which shall consist of the Board of Directors of the
      Company, at any time, or such committee or person(s) as the Board of
      Directors shall appoint. The Executive may not vote as a member of the
      Plan Administrator. The Plan Administrator shall also have the discretion
      and authority to:

      8.1.1 make, amend, interpret and enforce all appropriate rules and
            regulations for the administration of this Agreement; and

      8.1.2 decide or resolve any and all questions including interpretations of
            this Agreement, as may arise in connection with the Agreement.

8.2   Agents. In the administration of this Agreement, the Plan Administrator
      may employ agents and delegate to them such administrative duties as it
      sees fit, (including acting through a duly appointed representative), and
      may from time to time consult with counsel who may be counsel to the
      Company.

8.3   Binding Effect of Decisions. The decision or action of the Plan
      Administrator with respect to any question arising out of or in connection
      with the administration, interpretation and application of the Agreement
      and the rules and regulations promulgated hereunder shall be final and
      conclusive and binding upon all persons having any interest in the
      Agreement. No Executive or Beneficiary shall be deemed to have any right,
      vested or non-vested, regarding the continued use of any previously
      adopted assumptions, including but not limited to the Discount Rate.

8.4   Indemnity of Plan Administrator. The Company shall indemnify and hold
      harmless the members of the Plan Administrator against any and all claims,
      losses, damages, expenses or liabilities arising from any action or
      failure to act with respect to this Agreement, except in the case of
      willful misconduct by the Plan Administrator or any of its members.

8.5   Company Information. To enable the Plan Administrator to perform its
      functions, the Company shall supply, and the Executive hereby authorizes
      the release of, full and timely information to the Plan Administrator on
      all matters relating to the date and circumstances of the retirement,
      Disability, death, or Termination of Employment of the Executive and such
      other pertinent information as the Plan Administrator may reasonably
      require.

8.6   Annual Statement. The Plan Administrator shall provide to the Executive,
      within 120 days after the end of each Plan Year, a statement setting forth
      the benefits payable under this Agreement.

                                    ARTICLE 9
                                  MISCELLANEOUS

9.1   Binding Effect. This Agreement shall bind the Executive and the Company,
      and their beneficiaries, survivors, executors, successors, administrators
      and transferees.

9.2   No Guarantee of Employment. This Agreement is not an employment policy or
      contract. It does

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      not give the Executive the right to remain an employee of the Company, nor
      does it interfere with the Company's right to discharge the Executive. It
      also does not require the Executive to remain an employee nor interfere
      with the Executive's right to terminate employment at any time.

9.3   Non-Transferability. Benefits under this Agreement cannot be sold,
      transferred, assigned, pledged, attached or encumbered in any manner,
      whether voluntarily or involuntarily.

9.4   Tax Withholding. The Company shall withhold any taxes that, in its
      reasonable judgment, are required to be withheld from the benefits
      provided under this Agreement. The Executive acknowledges that the
      Company's sole liability regarding taxes is to forward any amounts
      withheld to the appropriate taxing authority(ies).

9.5   Applicable Law. The Agreement and all rights hereunder shall be governed
      by the laws of the State of Ohio, except to the extent preempted by the
      laws of the United States of America.

9.6   Unfunded Arrangement. The Executive and Beneficiary(ies) are general
      unsecured creditors of the Company for the payment of benefits under this
      Agreement. The benefits represent the mere promise by the Company to pay
      such benefits. The rights to benefits are not subject in any manner to
      anticipation, alienation, sale, transfer, assignment, pledge, encumbrance,
      attachment, or garnishment by creditors, whether voluntary or involuntary.
      Any insurance on the Executive's life is a general asset of the Company to
      which the Executive and Beneficiary (ies) have no preferred or secured
      claim. The Company shall retain complete control of any amounts due and
      owing Executive hereunder and all funds, assets, accumulations and
      increments shall continue to be part of the general funds of the Company
      and subject to the general creditors of the Corporation. Executive shall
      rely solely and exclusively on the unsecured, unfunded promise and
      contractual obligation of the Company set forth herein.

9.7   Reorganization. The Company shall not merge or consolidate into or with
      another company, or reorganize, or sell substantially all of its assets to
      another company, firm, or person unless such succeeding or continuing
      company, firm, or person agrees to assume and discharge the obligations of
      the Company under this Agreement. Upon the occurrence of such event, the
      term "Company" as used in this Agreement shall be deemed to refer to the
      successor or survivor company.

9.8   Entire Agreement. This Agreement constitutes the entire agreement between
      the Company and the Executive as to the subject matter hereof. No rights
      are granted to the Executive by virtue of this Agreement other than those
      specifically set forth herein.

9.9   Interpretation. Wherever the fulfillment of the intent and purpose of this
      Agreement requires, and the context will permit, the use of the masculine
      gender includes the feminine and use of the singular includes the plural.

9.10  Alternative Action. In the event it shall become impossible for the
      Company or the Plan Administrator to perform any act required by this
      Agreement, the Company or Plan Administrator may in its discretion perform
      such alternative act as most nearly carries out the intent and purpose of
      this Agreement and is in the best interests of the Company.

9.11  Headings. Article and section headings are for convenient reference only
      and shall not control or affect the meaning or construction of any of its
      provisions.

9.12  Validity. In case any provision of this Agreement shall be illegal or
      invalid for any reason, said

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      illegality or invalidity shall not affect the remaining parts hereof, but
      this Agreement shall be construed and enforced as if such illegal and
      invalid provision has never been inserted herein.

9.13  Notice.

      9.13.1 Any notice or filing required or permitted to be given to the
             Company or Plan Administrator under this Agreement shall be
             sufficient if in writing and hand-delivered, or sent by registered
             or certified mail, to the address below:

                                   SERP Plan Administrator
                                   Board of Directors
                                   CFBank
                                   2923 Smith Road
                                   Fairlawn, Ohio 44333

      9.13.2 Any notice or filing required or permitted to be given to the
             Executive under this Agreement shall be sufficient if in writing
             and hand-delivered, or sent by mail, to the last known address of
             the Executive.

      9.13.3 Such notice shall be deemed given as of the date of delivery or, if
             delivery is made by mail, as of the date shown on the postmark on
             the receipt for registration or certification.

      IN WITNESS WHEREOF, the Executive and a duly authorized representative of
the Company have signed this Agreement.

EXECUTIVE:                                    COMPANY:

                                              CFBANK

/s/ David C. Vernon                           By: /s/ Thomas P. Ash
-------------------                               ---------------------------
David C. Vernon                               Name in Print: Thomas P. Ash
                                              For the Board of Directors

                                      45
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                                   SCHEDULE A

ACCRUAL BALANCE

<TABLE>
<CAPTION>
                 Accrual
Period Ending    Balance
-------------   ---------
<S>             <C>

    May-05      $  65,306

    May-06        135,333

    May-07        210,423

    May-08        268,715

    May-09        262,172

    May-10        255,156

    May-11        247,633

    May-12        239,566

    May-13        230,916

    May-14        221,640

    May-15        211,694

    May-16        201,029

    May-17        189,593

    May-18        177,330

    May-19        164,181

    May-20        150,081

    May-21        134,962

    May-22        118,750

    May-23        101,366

    May-24         82,725

    May-25         62,737

    May-26         41,304

    May-27         18,321

    May-28              -
</TABLE>

                                      46<PAGE>

                                                                    EXHIBIT 10.2

          EMPLOYMENT AGREEMENT BETWEEN CFBANK AND RICHARD J. O'DONNELL

                              EMPLOYMENT AGREEMENT

      This AGREEMENT ("Agreement") is made effective as of October 22, 2004 by
and between RESERVE MORTGAGE SERVICES, INC. ("Reserve"), a wholly-owned
subsidiary of CFBank (the "Bank"), the Bank and RICHARD J. O'DONNELL (the
"Executive").

      WHEREAS, The Bank and Reserve wish to be assured of the services of the
Executive for the period provided in this Agreement following its acquisition by
the Bank, a wholly-owned subsidiary of Central Federal Corporation ("GCFC"); and

      WHEREAS, the Executive is willing to serve in the employ of Reserve for
said period; and

      WHEREAS, the Executive is willing to provide services to the Bank and
Reserve as provided herein.

      NOW, THEREFORE, in consideration of the mutual covenants herein contained,
and upon the other terms and conditions hereinafter provided, the parties hereby
agree, as follows:

1.    POSITION AND RESPONSIBILITIES.

      During the period of Executive's employment hereunder, the Executive
agrees to serve as President and Chief Executive Officer of Reserve. The
Executive shall render such administrative and management services to Reserve,
as are customarily performed by persons in a similar executive capacity for a
mortgage banking company, and to the Bank as may be assigned to him, from time
to time, by the Chairman of the Bank, to whom he shall report. The Executive
shall render such services at the current home office location of the Bank or
Reserve or such other location within thirty miles of either location unless the
Executive otherwise consents to a different location.

2.    TERM.

      (a)   The period of Executive's employment under this Agreement shall be
deemed to have commenced as of the date first above written and shall continue
for a period of thirty-six (36) full calendar months thereafter (the "Term").
The Term may be extended at the discretion of Reserve upon a comprehensive
performance evaluation by Reserve's Board of Directors (the "Board") or a
committee thereof.

      (b)   During the period of Executive's employment hereunder, except for
periods of absence occasioned by illness, reasonable vacation periods provided
in accordance with policies of the Bank, and reasonable leaves of absence
provided in accordance with policies of the Bank, Executive shall devote
substantially all his business time, attention, skill, and efforts to the
faithful performance of his duties hereunder including activities and services
related to the operation and management of the Bank and Reserve. The Executive
may serve, or continue to serve, on the boards of directors of, and hold any
other offices or positions in, companies or organizations, which, in the
judgment of the Board, will not present any conflict of interest with GCFC or
its subsidiaries (the "Subsidiaries"), or materially affect the performance of
Executive's duties pursuant to this Agreement.

                                      47
<PAGE>

3.    COMPENSATION AND REIMBURSEMENT.

      (a)   The Executive shall be entitled to a salary from Reserve in the
amount of $100,000 per year ("Base Salary"). Base Salary shall include any
amounts of compensation deferred by Executive under any tax-qualified retirement
or welfare plan or any other deferred compensation plan maintained by GCFC and
its Subsidiaries. Such Base Salary shall be payable in accordance with the
normal payroll practices of the Bank. The Board may increase Executive's Base
Salary at anytime in its sole discretion, subject to an annual performance
review, but may not decrease the Base Salary unless it is part of a company wide
compensation adjustment applicable to all senior executives of the Bank in a
proportionate manner. Any increase in Base Salary shall become the "Base Salary"
for purposes of this Agreement.

      (b)   The Executive shall be entitled to participate in those benefit
plans, arrangements and perquisites available to all other senior executives of
the Bank, including any stock option plan of the Bank or GCFC, on the same terms
and conditions applicable to such executives. Without limiting the generality of
the foregoing provisions of this Subsection (b), Executive shall be entitled to
participate in or receive benefits under any employee benefit plains including,
but not limited to, retirement plans, pension plans, profit-sharing plans,
health-and-accident plans, medical coverage or any other employee benefit plan
or arrangement made available by the Bank in the future to its senior executives
and key management employees, subject to and on a basis consistent with the
terms, conditions and overall administration of such plans and arrangements.
Nothing paid to the Executive under any such plan or arrangement will be deemed
to be in lieu of other compensation to which the Executive is entitled under
this Agreement.

      (c)   In addition to the Base Salary provided for by paragraph (a) of this
Section 3 and other compensation provided for by paragraph (b) of this Section
3, Reserve shall pay or reimburse Executive for all reasonable travel and other
reasonable expenses incurred in the performance of Executive's obligations under
this Agreement and may provide such additional compensation in such form and
such amounts as the Board may from time to time determine.

      (d)   Executive shall also receive incentive compensation equal to 50% of
pre-tax earnings, applied to Reserve as standalone corporation, in excess of
$300,000 per fiscal year, but in no event in excess of $400,000 per year
("Incentive Compensation"). The calculation of pre-tax earnings shall be made in
accordance with generally accepted accounting principles in the United States
("GAAP"), provided that the same shall be adjusted to eliminate all corporate
overhead and other expenses to Reserve by the Bank or GCFC. For purposes of
determining the pre-tax earnings of Reserve, there shall be included the revenue
that would have been recognized by Reserve (i) on loans originated by Reserve
and sold to the Bank rather than being sold to the customary purchasers of loans
originated by Reserve and (ii) on residential mortgage loans originated by the
Bank. The amount of such foregone revenue shall be determined in a manner
mutually agreed upon by Executive and the Chairman of the Bank. The calculation
shall be prorated for any partial year.

4.    PAYMENTS TO EXECUTIVE UPON AN EVENT OF TERMINATION; TERMINATION UPON
      DISABILITY OR DEATH.

      (a)   Upon the occurrence of an Event of Termination (as herein defined)
during the Executive's term of employment under this Agreement, the provisions
of this Section shall apply. As used in this Agreement, an "Event of
Termination" shall mean the termination by Reserve of Executive's full-time
employment hereunder for any reason, other than termination governed by Sections
4(c) or 5 hereof or for a Termination for Cause as defined in Section 7 hereof;

                                      48
<PAGE>

      (b)   Upon the occurrence of an Event of Termination on the Date of
Termination, as defined in Section 8(b), Reserve shall be obligated to pay
Executive, or, in the event of his subsequent death, his beneficiary or
beneficiaries, or his estate, as the case may be, a sum equal to the sum of: (i)
$600,000; and (ii) all benefits, including health insurance in accordance with
Section 3(b) that would have been provided to Executive for the remaining Term
of this Agreement had an Event of Termination not occurred. Such benefits shall
be eliminated in the event the Executive obtains other employment following
termination of employment. In the event of the Executive's Termination for Cause
or his voluntary resignation, however, other than under Section 5(b)(ii) of this
Agreement, he shall be entitled to receive his Base Salary through the Date of
Termination as specified in the Notice of Termination under Section 8(a) and no
other benefits or payments under this Agreement.

      (c)   In the event Executive is unable to perform his duties under this
Agreement on a full-time basis for a period of six (6) consecutive months by
reason of illness or other physical or mental disability (as defined in the
Bank's human resources policy), Reserve may terminate this Agreement, provided
that Reserve shall continue to be obligated to pay the Executive his Base Salary
for one year after such termination, and provided further that any amounts
actually paid to Executive pursuant to any disability insurance or other similar
such program which the Reserve or the Bank has provided or may provide on behalf
of its employees or pursuant to any workman's or social security disability
program shall reduce the compensation to be paid to the Executive pursuant to
this paragraph.

      (d)   In the event of the Executive's voluntary termination, other than
under Section 5(b)(ii) of this Agreement, no payment of any type shall be made
to the Executive under this Agreement for the period through the Date of
Termination unless the Executive shall comply with his obligations under Section
2.03 of the Stock Purchase Agreement, dated June 10, 2004, by and among GCFC,
CFBank, RJO Financial Services, Inc., and the Executive.

5.    CHANGE IN CONTROL.

      (a)   For purposes of this Agreement, a "Change in Control" of GCFC or the
Bank shall mean an event of a nature that; (i) would be required to be reported
in response to Item 1(a) of the current report on Form 8-K, as in effect on the
date hereof, pursuant to Section 13 or 15(d) of the Securities Exchange Act of
1934 (the "Exchange Act"); or (ii) results in a change in control of GCFC or the
Bank within the meaning of the Home Owners' Loan Act, as amended, or the Rules
and Regulations promulgated by the Office of Thrift Supervision (or its
predecessor agency), as in effect on the date hereof (provided, that in applying
the definition of change in control as set forth under the rules and regulations
of the OTS, the Board shall substitute its judgment for that of the OTS).

      (b)   If a Change in Control of GCFC or the Bank has occurred pursuant to
Section 5(a) Executive shall be entitled to the benefits provided in paragraphs
(c) of this Section 5 only upon his subsequent termination of employment at any
time during the Term of this Agreement due to (i) Executive's dismissal, or (ii)
Executive's voluntary resignation following any demotion, loss of title, office
or significant authority or responsibility, reduction in the annual compensation
or material reduction in benefits or relocation of his principal place of
employment by more than 50 miles from its location immediately prior to the
Change in Control, unless such termination is because of his death or
Termination for Cause (as defined herein).

      (c)   Upon the Executive's entitlement to benefits pursuant to Section
5(b), Reserve shall pay Executive, or in the event of his subsequent death, his
beneficiary or beneficiaries, or his estate, as the case may be, as severance
pay or liquidated damages, or both, a sum equal to the greater of (i) $600,000;
or (ii) an amount equal to the sum of (A) three (3) times the Executive's Base
Salary and (B) an amount equal to the Incentive Compensation paid or earned from
the date of this Agreement in accordance with

                                      49
<PAGE>

Section 3(d) hereof divided by the number of full months completed prior to the
occurrence of the event described in Section 5(b) and multiplied by thirty-six
(36). Payment to the Executive will be made on a monthly basis in approximately
equal installments during the remaining Term of the Agreement. Such payments
shall not be reduced in the event Executive obtains other employment following
termination of employment. In addition to the foregoing sum, the Executive shall
continue to receive for thirty-six (36) months, all benefits, including health
insurance in accordance with Section 3(b) that would have been provided to
Executive had the event described in Section (b) of this Section 5 not occurred.

6.    CHANGE OF CONTROL RELATED PROVISIONS.

      Notwithstanding the provisions of Section 5, in the event that

      (i)   the aggregate payments or benefits to be made or afforded to
            Executive, which are deemed to be parachute payments as defined in
            Section 280G of the Internal Revenue Code of 1936, as amended (the
            "Code") or any successor thereof, (the "Termination Benefits") would
            be deemed to include an "excess parachute payment" under Section
            280G of the Code; and

      (ii)  if such Termination Benefits were reduced to an amount (the
            "Non-Triggering Amount"), the value of which is one dollar ($1.00)
            less than an amount equal to three (3) times Executive's "base
            amount," as determined in accordance with said Section 280G and the
            Non-Triggering Amount less the product of the marginal rate of any
            applicable state and federal income tax and the Non Triggering
            Amount would be greater than the aggregate value of the Termination
            Benefits (without such reduction) minus (i) the amount of tax
            required to be paid by the Executive thereon by Section 4999 of the
            Code and further minus (ii) the product of the Termination Benefits
            and the marginal rate of any applicable state and federal income
            tax,

then the Termination Benefits shall be reduced to the Non-Triggering Amount. The
allocation of the reduction required thereby among the Termination Benefits
shall be determined by the Executive.

7.    TERMINATION FOR CAUSE.

      The term "Termination for Cause" or "Terminated for Cause" shall mean
termination because the Executive's failure to perform stated duties,
incompetence, willful misconduct, breach of fiduciary duty involving person
profit, personal dishonesty, willful violation of any law, rule, regulation
(other than traffic violations or similar offenses), final cease and desist
order or material breach of any provision of this Agreement. The Executive shall
not be deemed to have been Terminated for Cause unless and until there shall
have been delivered to him a Notice of Termination stating that the Executive
was guilty of conduct justifying Termination for Cause and specifying the
particulars thereof in detail. The Executive shall not have the right to receive
compensation or other benefits for any period after Termination for Cause.
During the period beginning on the date of the Notice of Termination for Cause
pursuant to Section 8 hereof through the Date of Termination, stock options and
related limited rights granted to Executive under any stock option plan shall
not be exercisable unless vested and any unvested awards granted to Executive
under any stock benefit plan of GCFC or its Subsidiaries shall not vest. At the
Date of Termination, such stock options and related limited rights and such
unvested awards shall become null and void and shall not be exercisable by or
delivered to Executive at any time subsequent to such Date of Termination for
Cause.

                                      50
<PAGE>

8.    NOTICE.

      (a)   Any purported termination by Reserve or the Bank or by Executive
shall be communicated by Notice of Termination to the other party hereto. For
purposes off this Agreement, a "Notice of Termination" shall mean a written
notice which shall indicate the specific termination provision in this Agreement
relied upon and shall set forth in reasonable detail the facts and circumstances
claimed to provide a basis for termination of Executive's employment under the
provision so indicated.

      (b)   "Date of Termination" shall mean the date specified in the Notice of
Termination (which, in the case of a Termination for Cause, shall not be less
than thirty (30) days from the date such Notice of Termination is given).

9.    POST-TERMINATION OBLIGATIONS.

      All payments and benefits to Executive under this Agreement shall be
subject to Executive's compliance with this Section 10 for twelve (12) full
calendar months after the earlier of the expiration of this Agreement or
termination of Executive's employment with Reserve. Executive shall, upon
reasonable notice, furnish such information and assistance to Reserve or its
successor as may reasonably be required by Reserve in connection with any
litigation in which it or any of its subsidiaries or affiliates or may become a
party.

10.   NON-COMPETITION AND NONDISCLOSURE.

      (a)   Upon the occurrence of a Termination for Cause (as defined in
Section 7 hereof) or the Executive's voluntary resignation (other than under
Section 5(b)(ii) hereof), Executive agrees not to compete with Reserve or its
Subsidiaries for a period of one (1) year following such Date of Termination in
any city, town or county in which Reserve or the Bank maintains an office or has
filed an application for regulatory approval to establish an office and any
county adjacent to such city, town or, county, determined as of the Date of
Termination, except as agreed to by GCFC. The Executive agrees that during such
period and within said cities, towns and counties, the Executive shall not work
for or advise, consult or otherwise serve with, directly or indirectly, any
entity whose business materially competes with the depository, lending or other
business activities of GCFC or its Subsidiaries. The parties hereto, recognizing
that irreparable injury will result to GCFC or its subsidiaries, its business
and property in the event of the Executive's breach of this Subsection 10(a),
agree that in the event of any such breach by the Executive, GCFC or its
subsidiaries will be entitled, in addition to any other remedies and damages
available, to an injunction to restrain the violation hereof by Executive or his
partners, agents, servants, employees and all persons acting for or under the
direction of Executive. Executive represents and admits that in the event of the
termination of his employment pursuant to Section 7 hereof, Executive's
experience and capabilities are such that Executive can obtain employment in a
business engaged in other lines and/or of a different nature than GCFC or its
Subsidiaries, and that the enforcement of a remedy by way of injunction will not
prevent Executive from earning a livelihood. Nothing herein will be construed,
as prohibiting GCFC or its Subsidiaries from pursuing any other remedies
available to GCFC or its Subsidiaries for such breach or threatened breach,
including the recovery of damages from Executive.

      (b)   Executive recognizes and acknowledges that the knowledge of the
business activities and plans for business activities of GCFC and its
Subsidiaries, as it may exist from time to time, is a valuable, special and
unique asset of the business of GCFC and its Subsidiaries. Executive will not,
during or after the term of his employment, disclose any knowledge of the past,
present, planned or considered business activities of GCFC and its Subsidiaries
to any person, firm, corporation, or other entity for any reason or purpose
whatsoever unless expressly authorized by the Board or required by law.
Notwithstanding the

                                      51
<PAGE>

foregoing, Executive may disclose any knowledge of banking, financial and/or
economic principles, concepts or ideas which are not solely and exclusively
derived from the business plans and activities of GCFC or the Subsidiaries. In
the event of a breach or threatened breach by the Executive of the provisions of
this Section, Reserve will be entitled to an injunction restraining Executive
from disclosing, in whole or in part, the knowledge of the past, present,
planned or considered business activities of Reserve or the Subsidiaries or from
rendering any services to any person, firm, corporation, or other entity to whom
such knowledge, in whole or in part, has been disclosed or is threatened to be
disclosed. Nothing herein will be construed as prohibiting Reserve from pursuing
any other remedies available to Reserve for such breach or threatened breach,
including the recovery of damages from Executive.

11.   SOURCE OF PAYMENTS.

      (a)   All payments provided in this Agreement shall be timely paid in cash
or by check from the general funds of Reserve.

      (b)   In the event that Reserve is dissolved or liquidated, the Bank shall
assume the obligations of Reserve under this Agreement.

12.   EFFECT ON PRIOR AGREEMENTS AND EXISTING BENEFITS PLANS.

      This Agreement contains the entire understanding between the parties
hereto and supersedes any prior employment agreement between the parties hereto
and supersedes any prior employment agreement between Reserve and Executive,
except that this Agreement shall not affect or operate to reduce any benefit or
compensation inuring to the Executive of a kind elsewhere provided.

13.   NO ATTACHMENT.

      (a)   Except as required by law, no right to receive payments under this
Agreement shall be subject to anticipation, commutation, alienation, sale,
assignment, encumbrance, charge, pledge, or hypothecation, or to execution,
attachment, levy, or similar process or assignment by operation of law, and any
attempt, voluntary or involuntary, to affect any such action shall be null,
void, and of no effect.

      (b)   This Agreement shall be binding upon, and inure to the benefit of,
Executive, the Bank and Reserve and their respective successors, heirs and
assigns.

14.   MODIFICATION AND WAIVER.

      (a)   This Agreement may not be modified or amended except by an
instrument in writing signed by the parties hereto.

      (b)   No term or condition of this Agreement shall be deemed to have been
waived, nor shall there be any estoppel against the enforcement of any provision
of this Agreement, except by written instrument of the party charged with such
waiver or estoppel. No such written waiver shall be deemed a continuing waiver
unless specifically stated therein, and each such waiver shall operate only as
to the specific term or condition waived and shall not constitute a waiver of
such term or condition for the future as to any act other than that specifically
waived.

15.   SEVERABILITY.

      If, for any reason, any provision of this Agreement, or any part of any
provision, is held invalid, such invalidity shall not affect any other provision
of this Agreement or any part of such provision not

                                      52
<PAGE>

held so invalid, and each such other provision and part thereof shall to the
full extent consistent with law continue in full force and effect.

16.   HEADINGS FOR REFERENCE ONLY.

      The headings of sections and paragraphs herein are included solely for
convenience of reference and shall not control the meaning or interpretation of
any of the provisions of this Agreement.

      Wherever any words are used herein in the masculine, feminine or neuter
gender, they shall be construed as though they were also used in another gender
in all cases where they would so apply.

17.   GOVERNING LAW.

      This Agreement shall be governed by the laws of the State of Ohio and by
the laws of the United States to the extent controlling without regard to the
principles of conflicts of law of this state, unless otherwise specified herein.

18.   ARBITRATION.

      Notwithstanding any right to enforcement under Section 10(a), any dispute
or controversy arising under or in connection with this Agreement shall be
settled exclusively by arbitration, conducted before a panel of three
arbitrators sitting in a location selected by the Executive within fifty (50)
miles from the location of Reserve's home office, in accordance with the rules
of the American Arbitration Association then in effect. Judgment may be entered
on the arbitrator's award in any court having jurisdiction; provided, however,
that Executive shall be entitled to seek specific performance of his right to be
paid until the Date of Termination during the pendency of any dispute or
controversy arising under or in connection with this Agreement.

      In the event any dispute or controversy arising under or in connection
with Executive's termination is resolved in favor of the Executive, whether by
judgment, arbitration or settlement, Executive shall be entitled to the payment
of all back-pay, including salary, bonuses and any other cash compensation,
fringe benefits and any compensation and benefits due Executive under this
Agreement.

19.   REQUIRED REGULATORY PROVISIONS

      (a)   Reserve may terminate the Executive's employment at any time subject
to his rights to receive payments under Section 4 hereof. Executive shall not
have the right to receive compensation or other benefits for any period after
Termination for Cause as defined in Section 7 hereinabove.

      (b)   If the Executive is suspended from office and/or temporarily
prohibited from participating in the conduct of the Reserve's affairs by a
notice served under Section 8(e)(3) (12 USC Section 1818(e)(3)) or 8(g) (12 USC
Section 1818(g)) of the Federal Deposit Insurance Act, as amended by the
Financial Institutions Reform, Recovery and Enforcement Act of 1989, Reserve's
obligations under this contract shall be suspended as of the date of service,
unless stayed by appropriate proceedings. If the charges in the notice are
dismissed, Reserve may in its discretion (i) pay the Executive all or part of
the compensation withheld while its contract obligations were suspended and (ii)
reinstate (in whole or in part) any of the obligations which were suspended.

      (c)   If the Executive is removed and/or permanently prohibited from
participating in the conduct of Reserve's affairs by an order issued under
Section 8(e) (12 USC Section 1818(e)) or 8(g) (12 USC Section 1818(g)) of The
Federal Deposit Insurance Act, as amended by the Financial Institutions Reform,

                                      53
<PAGE>

Recovery and Enforcement Act of 1989, all obligations of Reserve under this
Agreement shall terminate as of the effective date of the order, but vested
rights of the contracting parties shall not be affected.

      (d)   If the Bank is in default as defined in Section 3(x) (12 USC Section
1813(x)(1)) of the Federal Deposit Insurance Act, as amended by the Financial
Institutions Reform, Recovery and Enforcement Act of 1989, all obligations of
the Reserve under this Agreement shall terminate as of the date of default, but
this paragraph shall not affect any vested rights of the contracting parties.

      (e)   All obligations of Reserve under this contract shall be terminated,
except to the extent determined that continuation of the contract is necessary
for the continued operation of Reserve (i) by the Director of the Office of
Thrift Supervision or his or her designee (the "Director"), at the time the
Federal Deposit Insurance Corporation ("FDIC")enters into an agreement to
provide assistance to or on behalf of the Bank under the authority contained in
Section 13(c) (12 USC Section 1823(c)) of the Federal Deposit Insurance Act, as
amended by the Financial Institutions Reform, Recovery and Enforcement Act of
1989; or (ii) by the Director at the time the Director approves a supervisory
merger to resolve problems related to the operation of the Bank or when the Bank
is determined by the Director to be in an unsafe or unsound condition. Any
rights of the parties that have already vested, however, shall not be affected
by such action.

      (f)   Notwithstanding anything herein contained to the contrary, any
payments to the Executive by Reserve, whether pursuant to this Agreement or
otherwise, are subject to and conditioned upon their compliance with Section
18(k) of the Federal Deposit Insurance Act, 12 U.S.C. Section 1828(k), and the
regulations promulgated thereunder in 12 C.F.R. Part 359.

10.   SUCCESSOR TO RESERVE.

      Reserve and the Bank shall require any successor or assignee, whether
direct or indirect, by purchase, merger, consolidation or otherwise, to all or
substantially all the business or assets of Reserve or the Bank, expressly and
unconditionally to assume and agree to perform Reserve's obligations under this
Agreement, in the same manner and to the same extent that Reserve would be
required to perform if no such succession or assignment had taken place.

      IN WITNESS WHEREOF, Reserve and the Executive have executed Agreement on
date first above written

                                RESERVE MORTGAGE SERVICES, INC.

                                By: /s/ David C. Vernon
                                    -----------------------------------------
                                        David C. Vernon
                                        Chairman of the Board

                                CFBANK

                                By: /s/ David C. Vernon
                                    ----------------------------------------
                                        David C. Vernon
                                        Chairman and Chief Executive Officer

                                EXECUTIVE

                                         /s/ Richard J. O'Donnell
                                         ------------------------------------
                                             Richard J. O'Donnell

                                      54

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