If you want 2 factor authentication, you can add yubikeys. They are little usb dongle that provides one-time-password. And the server-side for those is open-source if you don't want to use their authentication servers. And they are relatively cheap.
We use these here on our border servers to increase security.
is this easy to ingrate with openssh server on centos 5.x ?
There is 2 rpm in epel (libyubikey and pam_yubico) that make it pretty easy to integrate into openssh (via pam).