-----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,
 GlVNa6w5hnBzuWFxKmg2GGSmlH12KR6I/d/7Bv6v07JN5JH61bDE9nBPjJH7gFI4
 GkU0TlGSgLhoSiU9phDtCg==

<SEC-DOCUMENT>0001074433-04-000017.txt : 20040510
<SEC-HEADER>0001074433-04-000017.hdr.sgml : 20040510
<ACCEPTANCE-DATETIME>20040510124651
ACCESSION NUMBER:		0001074433-04-000017
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20040507
FILED AS OF DATE:		20040510

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			THOMPSON JEFFREY R
		CENTRAL INDEX KEY:			0001278154

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-25391
		FILM NUMBER:		04791901

	MAIL ADDRESS:	
		STREET 1:		700 KANSAS AVE
		CITY:			TOPEKA
		STATE:			KS
		ZIP:			66603

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CAPITOL FEDERAL FINANCIAL
		CENTRAL INDEX KEY:			0001074433
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				481212142
		FISCAL YEAR END:			0930

	BUSINESS ADDRESS:	
		STREET 1:		700 KANSAS AVENUE
		CITY:			TOPEKA
		STATE:			KS
		ZIP:			66601
		BUSINESS PHONE:		7852351341

	MAIL ADDRESS:	
		STREET 1:		700 KANSAS AVENUE
		CITY:			TOPEKA
		STATE:			KS
		ZIP:			66601
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>tho88.xml
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2004-05-07</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

    <issuer>
        <issuerCik>0001074433</issuerCik>
        <issuerName>CAPITOL FEDERAL FINANCIAL</issuerName>
        <issuerTradingSymbol>CFFN</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001278154</rptOwnerCik>
            <rptOwnerName>THOMPSON JEFFREY R</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>700 S KANSAS AVENUE</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>TOPEKA</rptOwnerCity>
            <rptOwnerState>KS</rptOwnerState>
            <rptOwnerZipCode>66603</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>CFFN Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2004-05-07</value>
            </transactionDate>
            <deemedExecutionDate></deemedExecutionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>P</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>1100</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>31.25</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>1200</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value></value>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
    </nonDerivativeTable>

    <footnotes></footnotes>

    <remarks></remarks>

    <ownerSignature>
        <signatureName>By: James D. Wempe attorney in fact</signatureName>
        <signatureDate>2004-05-10</signatureDate>
    </ownerSignature>
</ownershipDocument>

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