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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 OJ5kZmfsSn3I9OxS04t3Apql12fZ7GzNAIoR5RFA5/HkRAOkkgqvZb0lRdLTajdM
 ouYQdcEPw2Gt6X4HieHqAg==

<SEC-DOCUMENT>0001209191-04-002321.txt : 20040109
<SEC-HEADER>0001209191-04-002321.hdr.sgml : 20040109
<ACCEPTANCE-DATETIME>20040109132641
ACCESSION NUMBER:		0001209191-04-002321
CONFORMED SUBMISSION TYPE:	4/A
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030908
FILED AS OF DATE:		20040109

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			WEIST DONALD L II
		CENTRAL INDEX KEY:			0001217650

	FILING VALUES:
		FORM TYPE:		4/A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-22399
		FILM NUMBER:		04517319

	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/A
<SEQUENCE>1
<FILENAME>doc4a.xml
<DESCRIPTION>FORM 4/A SUBMISSION
<TEXT>
<XML>
<?xml version="1.0"?><ownershipDocument>
    <schemaVersion>X0201</schemaVersion>

    <documentType>4/A</documentType><periodOfReport>2003-09-08</periodOfReport><dateOfOriginalSubmission>2004-01-09</dateOfOriginalSubmission><notSubjectToSection16>0</notSubjectToSection16>
    <issuer>
        <issuerCik>0001034650</issuerCik>
        <issuerName>WAYPOINT FINANCIAL CORP</issuerName>
        <issuerTradingSymbol>WYPT</issuerTradingSymbol></issuer><reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001217650</rptOwnerCik>
            <rptOwnerName>WEIST DONALD L II</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>0</isDirector><isOfficer>1</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther><officerTitle>EVP</officerTitle></reportingOwnerRelationship></reportingOwner><nonDerivativeTable><nonDerivativeTransaction><securityTitle><value>Waypoint Financial Corp Common Stock</value></securityTitle><transactionDate><value>2003-09-08</value></transactionDate><deemedExecutionDate></deemedExecutionDate><transactionCoding><transactionFormType>5</transactionFormType><transactionCode>P</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value>E</value></transactionTimeliness><transactionAmounts><transactionShares><value>100.0000</value></transactionShares><transactionPricePerShare><value>18.9790</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>9173.0000</value><footnoteId id="F1" /></sharesOwnedFol
lowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></nonDerivativeTransaction></nonDerivativeTable><footnotes><footnote id="F1">Inadvertantly reported incorrect total direct stock ownership.   </footnote></footnotes><remarks></remarks><ownerSignature><signatureName>Richard C. Ruben
Attorney-in-Fact for
Donald L. Wiest, II</signatureName><signatureDate>2004-01-09</signatureDate></ownerSignature></ownershipDocument>

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