-----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,
 GOjELaPEYIAucKvKrdAV6UWy7T9WD7S8xNFFK3J379MK5EyhEPhAb6rUiBOPZlKq
 Rj2PkvaVap5x7UAo7ZbduA==

<SEC-DOCUMENT>0001209191-03-020877.txt : 20030910
<SEC-HEADER>0001209191-03-020877.hdr.sgml : 20030910
<ACCEPTANCE-DATETIME>20030910111130
ACCESSION NUMBER:		0001209191-03-020877
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:			SAMUEL ANDREW S
		CENTRAL INDEX KEY:			0001217648

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-22399
		FILM NUMBER:		03889191

	MAIL ADDRESS:	
		STREET 1:		C/O WAYPOINT NANK
		STREET 2:		235 N 2ND ST PO BOX 1711
		CITY:			HARRISBURG
		STATE:			PA
		ZIP:			17105

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>
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        <issuerCik>0001034650</issuerCik>
        <issuerName>WAYPOINT FINANCIAL CORP</issuerName>
        <issuerTradingSymbol>WYPT</issuerTradingSymbol></issuer><reportingOwner>
        <reportingOwnerId>
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            <rptOwnerName>SAMUEL ANDREW S</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
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            <rptOwnerStreet2>P.O. BOX 1711</rptOwnerStreet2>
            <rptOwnerCity>HARRISBURG</rptOwnerCity>
            <rptOwnerState>PA</rptOwnerState>
            <rptOwnerZipCode>17105-1711</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
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conversionOrExercisePrice><value>15.87</value></conversionOrExercisePrice><transactionDate><value>2003-09-08</value></transactionDate><deemedExecutionDate></deemedExecutionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>D</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>1260</value></transactionShares><transactionPricePerShare><value>15.87</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>D</value></transactionAcquiredDisposedCode></transactionAmounts><exerciseDate><value>2003-09-08</value></exerciseDate><expirationDate><value>2012-09-08</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>WYPT</value></underlyingSecurityTitle><underlyingSecurityShares><value>1260</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>44586</va
lue><footnoteId id="F1" /></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeTransaction></derivativeTable><footnotes><footnote id="F1">Corrected for 8/15/03 5% Stock Dividend</footnote></footnotes><remarks></remarks><ownerSignature><signatureName>Richard C. Ruben
Attorney-in-Fact for
Andrew S. Samuel</signatureName><signatureDate>2003-09-10</signatureDate></ownerSignature></ownershipDocument>

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</SEC-DOCUMENT>
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