-----BEGIN PRIVACY-ENHANCED MESSAGE-----
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,
 J7CtHS3y8D6lIDSQT+v+qKIaj6oW7YM4bBMhisOm0kaaRBg3RU81SgDiVwXE17sL
 gw+UustOudTJiV4k1rjoSg==

<SEC-DOCUMENT>0001180845-03-000001.txt : 20030922
<SEC-HEADER>0001180845-03-000001.hdr.sgml : 20030922
<ACCEPTANCE-DATETIME>20030922144553
ACCESSION NUMBER:		0001180845-03-000001
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030918
FILED AS OF DATE:		20030922

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			FORT ALBERT L
		CENTRAL INDEX KEY:			0001180845

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-22817
		FILM NUMBER:		03904062

	BUSINESS ADDRESS:	
		STREET 1:		1190 ATOCHA WAY
		CITY:			VERO BEACH
		STATE:			FL
		ZIP:			32963
		BUSINESS PHONE:		7722314418

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
<FILENAME>c0001180845d20030922f4f.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<ownershipDocument><schemaVersion>X0201</schemaVersion>    <documentType>4</documentType><periodOfReport>2003-09-18</periodOfReport><notSubjectToSection16>0</notSubjectToSection16><issuer><issuerCik>0001029407</issuerCik><issuerName>HARBOR FLORIDA BANCSHARES INC</issuerName>        <issuerTradingSymbol>HARB</issuerTradingSymbol></issuer><reportingOwner><reportingOwnerId><rptOwnerCik>0001180845</rptOwnerCik><rptOwnerName>FORT ALBERT L</rptOwnerName></reportingOwnerId><reportingOwnerAddress><rptOwnerStreet1>1190 ATOCHA WAY</rptOwnerStreet1><rptOwnerStreet2></rptOwnerStreet2><rptOwnerCity>VERO BEACH</rptOwnerCity><rptOwnerState>FL</rptOwnerState><rptOwnerZipCode>32963</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></reportingOwne
r><nonDerivativeTable><nonDerivativeTransaction><securityTitle><value>Common Stock</value></securityTitle><transactionDate><value>2003-09-18</value></transactionDate><deemedExecutionDate></deemedExecutionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>F</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>1357</value></transactionShares><transactionPricePerShare><value>25.92</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>D</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>123516</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></nonDerivativeTransaction><nonDerivati
veHolding><securityTitle><value>Common Stock (Disclaimed)</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>2374</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>by Spouse'sIRA</value></natureOfOwnership></ownershipNature></nonDerivativeHolding><nonDerivativeHolding><securityTitle><value>Common Stock (Disclaimed)</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>20200</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>by Spouse</value></natureOfOwnership></ownershipNature></nonDerivativeHolding></nonDerivativeTable><derivativeTable><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>39395</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>39395</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</v
alue></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>2003-09-22</signatureDate></ownerSignature></ownershipDocument>

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</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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