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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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MIC-Info: RSA-MD5,RSA,
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 l9o2bvZsiibRyKxc/U1zjQ==

<SEC-DOCUMENT>0001209191-04-048527.txt : 20041015
<SEC-HEADER>0001209191-04-048527.hdr.sgml : 20041015
<ACCEPTANCE-DATETIME>20041015152438
ACCESSION NUMBER:		0001209191-04-048527
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20041015
FILED AS OF DATE:		20041015
DATE AS OF CHANGE:		20041015

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			ZUERN DAVID E
		CENTRAL INDEX KEY:			0001217651

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-22399
		FILM NUMBER:		041081019

	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>
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<TYPE>4
<SEQUENCE>1
<FILENAME>doc4.xml
<DESCRIPTION>FORM 4 SUBMISSION
<TEXT>
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<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2004-10-15</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

    <issuer>
        <issuerCik>0001034650</issuerCik>
        <issuerName>WAYPOINT FINANCIAL CORP</issuerName>
        <issuerTradingSymbol>WYPT</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001217651</rptOwnerCik>
            <rptOwnerName>ZUERN DAVID E</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>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>President &amp; CEO</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Waypoint Financial Corp. Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2004-10-15</value>
            </transactionDate>
            <deemedExecutionDate></deemedExecutionDate>
            <transactionCoding>
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                <transactionCode>M</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
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            <transactionAmounts>
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                </transactionShares>
                <transactionPricePerShare>
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                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>110063</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
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                <value>Waypoint Financial Corp. Common Stock</value>
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            <transactionDate>
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            <deemedExecutionDate></deemedExecutionDate>
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            <transactionTimeliness>
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            <transactionAmounts>
                <transactionShares>
                    <value>8400</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>15.87</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
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                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>118463</value>
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                    <value>D</value>
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        <nonDerivativeTransaction>
            <securityTitle>
                <value>Waypoint Financial Corp. Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2004-10-15</value>
            </transactionDate>
            <deemedExecutionDate></deemedExecutionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>M</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
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            <transactionTimeliness>
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            <transactionAmounts>
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                </transactionShares>
                <transactionPricePerShare>
                    <value>16.76</value>
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                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>118877</value>
                </sharesOwnedFollowingTransaction>
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            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
    </nonDerivativeTable>

    <derivativeTable>
        <derivativeTransaction>
            <securityTitle>
                <value>Stock Option</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>9.49</value>
            </conversionOrExercisePrice>
            <transactionDate>
                <value>2004-10-15</value>
            </transactionDate>
            <deemedExecutionDate></deemedExecutionDate>
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                <transactionFormType>4</transactionFormType>
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                <equitySwapInvolved>0</equitySwapInvolved>
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            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>8211</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>0.00</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <exerciseDate>
                <value>2002-02-22</value>
            </exerciseDate>
            <expirationDate>
                <value>2011-02-22</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>WYPT</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>8211</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>254373</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeTransaction>
        <derivativeTransaction>
            <securityTitle>
                <value>Stock Option</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>15.87</value>
            </conversionOrExercisePrice>
            <transactionDate>
                <value>2004-10-15</value>
            </transactionDate>
            <deemedExecutionDate></deemedExecutionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>M</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>8400</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>0.00</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <exerciseDate>
                <value>2003-03-21</value>
            </exerciseDate>
            <expirationDate>
                <value>2012-03-21</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>WYPT</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>8400</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>245973</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
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        </derivativeTransaction>
        <derivativeTransaction>
            <securityTitle>
                <value>Stock Option</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>16.76</value>
            </conversionOrExercisePrice>
            <transactionDate>
                <value>2004-10-15</value>
            </transactionDate>
            <deemedExecutionDate></deemedExecutionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>M</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>414</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>0.00</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <exerciseDate>
                <value>2004-03-26</value>
            </exerciseDate>
            <expirationDate>
                <value>2013-03-26</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>WYPT</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>414</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>245559</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
David E. Zuern</signatureName>
        <signatureDate>2004-10-15</signatureDate>
    </ownerSignature>
</ownershipDocument>

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