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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 KKd3+UhCa6mmDqnQ9lzpLFwd8RfHWIfNHA80wZ1jVQ9IGmhh3vx7njD3c2MFzMbT
 ec59jt+9BI5uCyOqijJVTA==

<SEC-DOCUMENT>0001180841-03-000001.txt : 20030923
<SEC-HEADER>0001180841-03-000001.hdr.sgml : 20030923
<ACCEPTANCE-DATETIME>20030923165726
ACCESSION NUMBER:		0001180841-03-000001
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030923
FILED AS OF DATE:		20030923

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			BROWN MICHAEL J JR
		CENTRAL INDEX KEY:			0001180841

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-22817
		FILM NUMBER:		03906447

	BUSINESS ADDRESS:	
		STREET 1:		2925 S INDIAN RIVER DR
		CITY:			FT PIERCE
		STATE:			FL
		ZIP:			34950
		BUSINESS PHONE:		7724653129

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			HARBOR FLORIDA BANCSHARES INC
		CENTRAL INDEX KEY:			0001029407
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036]
		IRS NUMBER:				650813766
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			0930

	BUSINESS ADDRESS:	
		STREET 1:		100 S SECOND ST
		CITY:			FORT PIERCE
		STATE:			FL
		ZIP:			34950
		BUSINESS PHONE:		5614612414

	MAIL ADDRESS:	
		STREET 1:		PO BOX 249
		CITY:			FORT PIERCE
		STATE:			FL
		ZIP:			34954

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	HARBOR FLORIDA BANCORP INC
		DATE OF NAME CHANGE:	19961219
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
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<DESCRIPTION>PRIMARY DOCUMENT
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<ownershipDocument><schemaVersion>X0201</schemaVersion>    <documentType>4</documentType><periodOfReport>2003-09-23</periodOfReport><notSubjectToSection16>0</notSubjectToSection16><issuer><issuerCik>0001029407</issuerCik><issuerName>HARBOR FLORIDA BANCSHARES INC</issuerName>        <issuerTradingSymbol>HARB</issuerTradingSymbol></issuer><reportingOwner><reportingOwnerId><rptOwnerCik>0001180841</rptOwnerCik><rptOwnerName>BROWN MICHAEL J JR</rptOwnerName></reportingOwnerId><reportingOwnerAddress><rptOwnerStreet1>2925 S. INDIAN RIVER DR.</rptOwnerStreet1><rptOwnerStreet2></rptOwnerStreet2><rptOwnerCity>FT. PIERCE</rptOwnerCity><rptOwnerState>FL</rptOwnerState><rptOwnerZipCode>34950</rptOwnerZipCode><rptOwnerStateDescription></rptOwnerStateDescription></reportingOwnerAddress><reportingOwnerRelationship><isDirector>0</isDirector><isOfficer>1</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther><officerTitle>Senior Vice President</officerTitle><otherText></otherText></reportingOwnerRelationship><
/reportingOwner><nonDerivativeTable><nonDerivativeTransaction><securityTitle><value>Common Stock</value></securityTitle><transactionDate><value>2003-09-23</value></transactionDate><deemedExecutionDate></deemedExecutionDate><transactionCoding><transactionFormType>5</transactionFormType><transactionCode>G</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>800</value></transactionShares><transactionPricePerShare><value>0</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>81351</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></nonDerivativeTransaction><non
DerivativeHolding><securityTitle><value>Common Stock</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>30050</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>By Spouse</value></natureOfOwnership></ownershipNature></nonDerivativeHolding><nonDerivativeHolding><securityTitle><value>Common Stock</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>2042</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>Trust for minor children</value></natureOfOwnership></ownershipNature></nonDerivativeHolding></nonDerivativeTable><derivativeTable><derivativeHolding><securityTitle><value>Stock Option</value></securityTitle><conversionOrExercisePrice><value>1.664</value></conversionOrExercisePrice><exerci
seDate><value>1988-08-08</value></exerciseDate><expirationDate><value>2004-01-06</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>3004</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>3004</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Stock Option</value></securityTitle><conversionOrExercisePrice><value>2.746</value></conversionOrExercisePrice><exerciseDate><value>1988-08-08</value></exerciseDate><expirationDate><value>2005-01-10</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>9615</value></und
erlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>9615</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Stock Option</value></securityTitle><conversionOrExercisePrice><value>10.69</value></conversionOrExercisePrice><exerciseDate><value>1988-08-08</value></exerciseDate><expirationDate><value>2008-09-18</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>14939</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>14939</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrInd
irectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Stock Option</value></securityTitle><conversionOrExercisePrice><value>12.38</value></conversionOrExercisePrice><exerciseDate><value>1988-08-08</value></exerciseDate><expirationDate><value>2010-09-18</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>17889</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>17889</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Stock Option</value></securityTitle><conversionOrExercisePrice><value>13.19</value></conversionOrExerci
sePrice><exerciseDate><value>1988-08-08</value></exerciseDate><expirationDate><value>2010-12-06</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>32827</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>32827</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Stock Option</value></securityTitle><conversionOrExercisePrice><value>16.12</value></conversionOrExercisePrice><exerciseDate><value>2009-12-12</value></exerciseDate><expirationDate><value>2011-12-12</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>
3500</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>3500</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></derivativeHolding></derivativeTable><footnotes></footnotes><ownerSignature><signatureName>Gary Barnett</signatureName><signatureDate>2003-09-23</signatureDate></ownerSignature></ownershipDocument>

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</SEC-DOCUMENT>
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