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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION

                              WASHINGTON, DC 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): February 17, 2005


                         COMMERCIAL FEDERAL CORPORATION
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             (Exact name of registrant as specified in its charter)


          NEBRASKA                    1-11515                   47-0658852
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  (State or other jurisdiction       (Commission             (I.R.S. Employer
      of incorporation)              File Number)         Identification Number)


13220 CALIFORNIA STREET, OMAHA, NEBRASKA                                68154
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(Address of principal executive offices)                             (Zip Code)


Registrant's telephone number including area code:  (402) 554-9200
                                                    --------------


                                 NOT APPLICABLE
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          (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))


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ITEM 8.01         OTHER EVENTS
                  ------------

         On February 17, 2005, Commercial Federal Corporation (the
"Corporation") announced the appointment of Robert F. Rivers as Executive Vice
President - Retail Banking.  For more information, reference is made to the
Corporation's press release dated February 17, 2005, which is filed with this
Report as Exhibit 99.1 and incorporated herein by reference.


ITEM 9.01         FINANCIAL STATEMENT AND EXHIBITS
                  --------------------------------

(a)   Not applicable.


(b)   Not applicable.


(c)   The following exhibit is filed herewith:


         Exhibit 99.1   Press Release dated February 17, 2005



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                                    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.



                                    COMMERCIAL FEDERAL CORPORATION
                                    ------------------------------
                                    (Registrant)


Date: February 18, 2005             By: /s/ David S. Fisher
                                        --------------------------------------
                                        David S. Fisher
                                        Executive Vice President and
                                        Chief Financial Officer
                                        (Duly Authorized Officer)