Statement of acquisition of beneficial ownership by individuals

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

SCHEDULE 13G

Under the Securities Exchange Act of 1934

(Amendment No. 1)*

Central Federal Bancshares, Inc.

(Name of Issuer)

Common Stock, $0.01 par value

(Title of Class of Securities)

15346T107

(CUSIP Number)

December 31, 2017

(Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

[X]Rule 13d-1(b)

[  ] Rule 13d-1(c)

[  ] Rule 13d-1(d)

*The remainder of this cover page shall be filled out for a reporting person’s initial filing on this form with respect to the subject class of securities, and for any subsequent amendment containing information which would alter the disclosures provided in a prior cover page.

The information required in the remainder of this cover page shall not be deemed to be “filed” for the purpose of Section 18 of the Securities Exchange Act of 1934 (“Act”) or otherwise subject to the liabilities of that section of the Act, but shall be subject to all other provisions of the Act (however, see the Notes).

CUSIP No. 15346T107 13G Page 2 of 5 Pages

1

Names of Reporting Persons

Central Federal Savings and Loan Association of Rolla Employee Stock Ownership Plan

2

Check the Appropriate Box if a Member of a Group*

(a) [  ]

(b) [X]

3 SEC Use Only
4

Citizenship or Place of Organization

State of Missouri

Number of

Shares

Beneficially

Owned by

Each Reporting

Person with:

5

Sole Voting Power:

131,602 (1)
6

Shared Voting Power:

11,440 (2)
7

Sole Dispositive Power:

143,042
8

Shared Dispositive Power:

0

9

Aggregate Amount Beneficially Owned by Each Reporting Person

143,042

10 Check if the Aggregate Amount in Row (9) Excludes Certain Shares* [  ]
11

Percent of Class Represented by Amount in Row (9)

8% (3)

12

Type of Reporting Person

EP

(1) Consists of unallocated shares held by the Central Federal Savings and Loan Association of Rolla Employee Stock Ownership Plan (the “ESOP”).

(2) Consists of shares allocated to the accounts of ESOP participants.

(3) Based on 1,788,020 shares of Common Stock outstanding as of December 31, 2017.

CUSIP No. 15346T107 13G Page 3 of 5 Pages

Item 1
(a) Name of Issuer
Central Federal Bancshares, Inc.
(b) Address of Issuer’s Principal Executive Offices
210 W. 10 th Street
Rolla, Missouri 65401
Item 2
(a) Name of Person Filing
Central Federal Savings and Loan Association of Rolla Employee Stock Ownership Plan
Trustee: Community Bank of Pleasant Hill d/b/a First Trust of MidAmerica
(b) Address of Principal Business Office
1901 Frederick Avenue, Suite 100
St. Joseph, Missouri 64501
(c) Citizenship of Place of Organization
State of Missouri
(d) Title of Class of Securities
Common Stock, par value $0.001 per share
(e) CUSIP Number
15346T107
Item 3. If this statement is filed pursuant to Rule 13d-1(b) or 13d-2(b) or (c), check whether the person filing is a:
(f) [X] An employee benefit plan or endowment fund in accordance with Rule 13d-1(b)(1)(ii)(F).
Item 4. Ownership
(a) Amount beneficially owned: 143,042 shares as of December 31, 2017
(b) Percent of class: 8%, based on 1,788,020 shares outstanding as of December 31, 2017
(c) Number of shares as to which such person has:
(i) Sole power to vote or to direct the vote: 131,602
(ii) Shared power to vote or to direct the vote: 11,440
(iii) Sole power to dispose or to direct the disposition: 143,042
(iv) Shared power to dispose or to direct the disposition: 0

CUSIP No. 15346T107 13G Page 4 of 5 Pages

Item 5. Ownership of Five Percent or Less of a Class
Not applicable
Item 6. Ownership of More than Five Percent on Behalf of Another Person
Not applicable
Item 7. Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company
Not applicable
Item 8. Identification and Classification of Members of the Group
The reporting person is an employee benefit plan subject to the provisions of the Employee Retirement Income Security Act of 1974, as amended.
Item 9. Notice of Dissolution of Group
. Not applicable
Item 10. Certification
By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under § 240.14a-11.

CUSIP No. 15346T107 13G Page 5 of 5 Pages

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

CENTRAL FEDERAL SAVINGS AND LOAN
ASSOCIATION EMPLOYEE STOCK
OWNERSHIP PLAN
Date: February 13, 2018 By: Community Bank of Pleasant Hill
d/b/a First Trust of MidAmerica

/s/ Gerald Lau
Name: Gerald Lau
Title: Vice President

The above information was disclosed in a filing to the SEC. To see the filing, click here.

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