-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 I65pZ2QXMvNt5Erhm20mh1sQa7vP1na3omt7WorpBFDAvQQBFhfLAPuGpA6quXjV
 Vhaxz1+duagTHDw0oL6hnQ==

<SEC-DOCUMENT>0001209191-04-004164.txt : 20040122
<SEC-HEADER>0001209191-04-004164.hdr.sgml : 20040122
<ACCEPTANCE-DATETIME>20040122165307
ACCESSION NUMBER:		0001209191-04-004164
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20040122
FILED AS OF DATE:		20040122

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			OHARA ROBERT P
		CENTRAL INDEX KEY:			0001080790

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-22399
		FILM NUMBER:		04537996

	BUSINESS ADDRESS:	
		STREET 1:		1801 RIDGE ROAD
		CITY:			REISTERSTOWN
		STATE:			MD
		ZIP:			21136

	MAIL ADDRESS:	
		STREET 1:		1801 RIDGE ROAD
		CITY:			REISTERSTOWN
		STATE:			MD
		ZIP:			21136

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>2004-01-22</periodOfReport><notSubjectToSection16>0</notSubjectToSection16>
    <issuer>
        <issuerCik>0001034650</issuerCik>
        <issuerName>WAYPOINT FINANCIAL CORP</issuerName>
        <issuerTradingSymbol>WYPT</issuerTradingSymbol></issuer><reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001080790</rptOwnerCik>
            <rptOwnerName>OHARA ROBERT P</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><derivativeTable><derivativeTransaction><securityTitle><value>Stock Option (right to buy)</value></securityTitle><conversionOrExercisePrice><value>22.5800</value></conversionOrExercisePrice><transactionDate><value>2004-01-22</value></transactionDate><deemedExecutionDate></deemedExecutionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>A</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>5000.0000</value></transactionShares><transactionPricePerShare><value>0</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><exerciseDate><value>2005-01-22</value></exerciseDate><expirati
onDate><value>2014-01-22</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>WYPT</value></underlyingSecurityTitle><underlyingSecurityShares><value>5000.0000</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>36500.0000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeTransaction></derivativeTable><footnotes></footnotes><remarks></remarks><ownerSignature><signatureName>Richard C. Ruben
Attorney-in-Fact for
Robert P. O'Hara</signatureName><signatureDate>2004-01-22</signatureDate></ownerSignature></ownershipDocument>

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