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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,
 FE2OEv/9kvEQpeOjBkJbtY13eNPq8qsLqJbHdcXJMreZE58m1eu2DSSKkFAcxIY6
 Mr9cwOJPRXhTNu7xtbfOXA==

<SEC-DOCUMENT>0001209191-03-020847.txt : 20030910
<SEC-HEADER>0001209191-03-020847.hdr.sgml : 20030910
<ACCEPTANCE-DATETIME>20030910101532
ACCESSION NUMBER:		0001209191-03-020847
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030908
FILED AS OF DATE:		20030910

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			DOTZEL CYNTHIA
		CENTRAL INDEX KEY:			0001080775

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-22399
		FILM NUMBER:		03889043

	BUSINESS ADDRESS:	
		STREET 1:		1140 OAKDALE DRIVE
		CITY:			YORK
		STATE:			PA
		ZIP:			17403

	MAIL ADDRESS:	
		STREET 1:		1140 OAKDALE DRIVE
		CITY:			YORK
		STATE:			PA
		ZIP:			17403

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			WAYPOINT FINANCIAL CORP
		CENTRAL INDEX KEY:			0001034650
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036]
		IRS NUMBER:				251872581
		STATE OF INCORPORATION:			PA
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		235 N SECOND ST
		CITY:			HARRISBURG
		STATE:			PA
		ZIP:			17101
		BUSINESS PHONE:		7172364041

	MAIL ADDRESS:	
		STREET 1:		235 N SECOND ST
		CITY:			HARRISBURG
		STATE:			PA
		ZIP:			17101

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	HARRIS FINANCIAL INC
		DATE OF NAME CHANGE:	19970226
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>doc4.xml
<DESCRIPTION>FORM 4 SUBMISSION
<TEXT>
<XML>
<?xml version="1.0"?><ownershipDocument>
    <schemaVersion>X0201</schemaVersion>

    <documentType>4</documentType><periodOfReport>2003-09-08</periodOfReport><notSubjectToSection16>0</notSubjectToSection16>
    <issuer>
        <issuerCik>0001034650</issuerCik>
        <issuerName>WAYPOINT FINANCIAL CORP</issuerName>
        <issuerTradingSymbol>WYPT</issuerTradingSymbol></issuer><reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001080775</rptOwnerCik>
            <rptOwnerName>DOTZEL CYNTHIA</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>235 N. SECOND STREET</rptOwnerStreet1>
            <rptOwnerStreet2>P.O. BOX 1711</rptOwnerStreet2>
            <rptOwnerCity>HARRISBURG</rptOwnerCity>
            <rptOwnerState>PA</rptOwnerState>
            <rptOwnerZipCode>17105-1711</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
            <reportingOwnerRelationship>
<isDirector>1</isDirector><isOfficer>0</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther></reportingOwnerRelationship></reportingOwner><nonDerivativeTable><nonDerivativeTransaction><securityTitle><value>Waypoint Financial Corp Common Stock</value></securityTitle><transactionDate><value>2003-09-08</value></transactionDate><deemedExecutionDate></deemedExecutionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>S</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>1802</value></transactionShares><transactionPricePerShare><value>19.14</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>D</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>112842</value><footnoteId id="F1" /></sharesOwnedFollowingTransaction></postTransactionAmounts
><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></nonDerivativeTransaction><nonDerivativeTransaction><securityTitle><value>Waypoint Financial Corp Common Stock</value></securityTitle><transactionDate><value>2003-09-08</value></transactionDate><deemedExecutionDate></deemedExecutionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>S</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>1000</value></transactionShares><transactionPricePerShare><value>19.11</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>D</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>45237</value><footnoteId id="F1" /></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnershi
p><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>PUTMA for 3 children</value></natureOfOwnership></ownershipNature></nonDerivativeTransaction><nonDerivativeTransaction><securityTitle><value>Waypoint Financial Corp Common Stock</value></securityTitle><transactionDate><value>2003-09-08</value></transactionDate><deemedExecutionDate></deemedExecutionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>S</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>555</value></transactionShares><transactionPricePerShare><value>19.13</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>D</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>44682</value><footnoteId id="F1" /></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNa
ture><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>PUTMA for 3 children</value></natureOfOwnership></ownershipNature></nonDerivativeTransaction><nonDerivativeTransaction><securityTitle><value>Waypoint Financial Corp Common Stock</value></securityTitle><transactionDate><value>2003-09-08</value></transactionDate><deemedExecutionDate></deemedExecutionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>S</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>555</value></transactionShares><transactionPricePerShare><value>19.12</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>D</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>44127</value><footnoteId id="F1" /></sharesOwnedFollowingTransaction></postT
ransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>PUTMA for 3 children</value></natureOfOwnership></ownershipNature></nonDerivativeTransaction></nonDerivativeTable><footnotes><footnote id="F1">Denotes 5% stock dividend of 8/15/03</footnote></footnotes><remarks></remarks><ownerSignature><signatureName>Richard C. Ruben
Attorney-in-Fact for
Cynthia A. Dotzel</signatureName><signatureDate>2003-09-10</signatureDate></ownerSignature></ownershipDocument>

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