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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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MIC-Info: RSA-MD5,RSA,
 FE/7lO40m4y+E67O3/bB58hZRGbUBfO6Z9TXMKB7mT0NcbZMhNqZ/Onc/vPlX+0R
 gYmU1wIadaz86yW9ze4bEg==

<SEC-DOCUMENT>0001220181-04-000001.txt : 20040105
<SEC-HEADER>0001220181-04-000001.hdr.sgml : 20040105
<ACCEPTANCE-DATETIME>20040105163409
ACCESSION NUMBER:		0001220181-04-000001
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20040105
FILED AS OF DATE:		20040105

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			BRUBAKER LARRY K
		CENTRAL INDEX KEY:			0001220181

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-25391
		FILM NUMBER:		04505515

	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>bru39.xml
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>
    <schemaVersion>X0201</schemaVersion>

    <documentType>4</documentType>
	<periodOfReport>2004-01-05</periodOfReport>
	<notSubjectToSection16>0</notSubjectToSection16>
    <issuer>
        <issuerCik>0001074433</issuerCik>
        <issuerName>CAPITOL FEDERAL FINANCIAL</issuerName>
        <issuerTradingSymbol>CFFN</issuerTradingSymbol>
	</issuer>
	<reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001220181</rptOwnerCik>
            <rptOwnerName>BRUBAKER LARRY K</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>700 S KANSAS AVE</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>TOPEKA</rptOwnerCity>
            <rptOwnerState>KS</rptOwnerState>
            <rptOwnerZipCode>66603</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
            <reportingOwnerRelationship>
			<isDirector>0</isDirector>
			<isOfficer>1</isOfficer>
			<isTenPercentOwner>0</isTenPercentOwner>
			<isOther>0</isOther>
			<officerTitle>Executive Vice President</officerTitle>
		</reportingOwnerRelationship>
	</reportingOwner>
	<nonDerivativeTable>
		<nonDerivativeHolding>
			<securityTitle>
				<value>CFFN Common Stock</value>
			</securityTitle>
			<postTransactionAmounts>
				<sharesOwnedFollowingTransaction>
					<value>67493.00</value>
				</sharesOwnedFollowingTransaction>
			</postTransactionAmounts>
			<ownershipNature>
				<directOrIndirectOwnership>
					<value>D</value>
				</directOrIndirectOwnership>
				<natureOfOwnership>
					<value/>
				</natureOfOwnership>
			</ownershipNature>
		</nonDerivativeHolding>
		<nonDerivativeHolding>
			<securityTitle>
				<value>CFFN Common Stock</value>
			</securityTitle>
			<postTransactionAmounts>
				<sharesOwnedFollowingTransaction>
					<value>328.00</value>
				</sharesOwnedFollowingTransaction>
			</postTransactionAmounts>
			<ownershipNature>
				<directOrIndirectOwnership>
					<value>I</value>
				</directOrIndirectOwnership>
				<natureOfOwnership>
					<value>By Custodian For Child</value>
				</natureOfOwnership>
			</ownershipNature>
		</nonDerivativeHolding>
		<nonDerivativeHolding>
			<securityTitle>
				<value>CFFN Common Stock</value>
			</securityTitle>
			<postTransactionAmounts>
				<sharesOwnedFollowingTransaction>
					<value>9869.00</value>
				</sharesOwnedFollowingTransaction>
			</postTransactionAmounts>
			<ownershipNature>
				<directOrIndirectOwnership>
					<value>I</value>
				</directOrIndirectOwnership>
				<natureOfOwnership>
					<value>By ESOP</value>
				</natureOfOwnership>
			</ownershipNature>
		</nonDerivativeHolding>
		<nonDerivativeHolding>
			<securityTitle>
				<value>CFFN Common Stock</value>
			</securityTitle>
			<postTransactionAmounts>
				<sharesOwnedFollowingTransaction>
					<value>1873.00</value>
				</sharesOwnedFollowingTransaction>
			</postTransactionAmounts>
			<ownershipNature>
				<directOrIndirectOwnership>
					<value>I</value>
				</directOrIndirectOwnership>
				<natureOfOwnership>
					<value>By Spouse</value>
				</natureOfOwnership>
			</ownershipNature>
		</nonDerivativeHolding>
		<nonDerivativeHolding>
			<securityTitle>
				<value>CFFN Common Stock</value>
			</securityTitle>
			<postTransactionAmounts>
				<sharesOwnedFollowingTransaction>
					<value>28327.00</value>
				</sharesOwnedFollowingTransaction>
			</postTransactionAmounts>
			<ownershipNature>
				<directOrIndirectOwnership>
					<value>I</value>
				</directOrIndirectOwnership>
				<natureOfOwnership>
					<value>By Trust</value>
				</natureOfOwnership>
			</ownershipNature>
		</nonDerivativeHolding>
	</nonDerivativeTable>
	<derivativeTable>
		<derivativeTransaction>
			<securityTitle>
				<value>CFFN Phantom Stock 2004</value>
			</securityTitle>
			<conversionOrExercisePrice>
				<value>36.07</value>
			</conversionOrExercisePrice>
			<transactionDate>
				<value>2004-01-05</value>
			</transactionDate>
			<deemedExecutionDate>
			</deemedExecutionDate>
			<transactionCoding>
				<transactionFormType>4</transactionFormType>
				<transactionCode>A</transactionCode>
				<equitySwapInvolved>0</equitySwapInvolved>
			</transactionCoding>
			<transactionAmounts>
				<transactionShares>
					<value>119</value>
				</transactionShares>
				<transactionPricePerShare>
					<value>0</value>
				</transactionPricePerShare>
				<transactionAcquiredDisposedCode>
					<value>A</value>
				</transactionAcquiredDisposedCode>
			</transactionAmounts>
			<exerciseDate>
				<footnoteId id="F1"/>
			</exerciseDate>
			<expirationDate>
				<value>2007-01-25</value>
				<footnoteId id="F1"/>
			</expirationDate>
			<underlyingSecurity>
				<underlyingSecurityTitle>
					<value>CFFN Common Stock</value>
				</underlyingSecurityTitle>
				<underlyingSecurityShares>
					<value>119.00</value>
				</underlyingSecurityShares>
			</underlyingSecurity>
			<postTransactionAmounts>
				<sharesOwnedFollowingTransaction>
					<value>119.00</value>
				</sharesOwnedFollowingTransaction>
			</postTransactionAmounts>
			<ownershipNature>
				<directOrIndirectOwnership>
					<value>D</value>
				</directOrIndirectOwnership>
				<natureOfOwnership>
					<value/>
				</natureOfOwnership>
			</ownershipNature>
		</derivativeTransaction>
		<derivativeHolding>
			<securityTitle>
				<value>CFFN Incentive Stock Option (4-18-00)</value>
			</securityTitle>
			<conversionOrExercisePrice>
				<value>9.22</value>
			</conversionOrExercisePrice>
			<exerciseDate>
				<footnoteId id="F2"/>
			</exerciseDate>
			<expirationDate>
				<value>2010-04-18</value>
				<footnoteId id="F2"/>
			</expirationDate>
			<underlyingSecurity>
				<underlyingSecurityTitle>
					<value>CFFN Common Stock</value>
				</underlyingSecurityTitle>
				<underlyingSecurityShares>
					<value>34025.00</value>
				</underlyingSecurityShares>
			</underlyingSecurity>
			<postTransactionAmounts>
				<sharesOwnedFollowingTransaction>
					<value>34025.00</value>
				</sharesOwnedFollowingTransaction>
			</postTransactionAmounts>
			<ownershipNature>
				<directOrIndirectOwnership>
					<value>D</value>
				</directOrIndirectOwnership>
				<natureOfOwnership>
					<value/>
				</natureOfOwnership>
			</ownershipNature>
		</derivativeHolding>
		<derivativeHolding>
			<securityTitle>
				<value>CFFN Non-Qualified Stock Option (4-18-00)</value>
			</securityTitle>
			<conversionOrExercisePrice>
				<value>9.22</value>
			</conversionOrExercisePrice>
			<exerciseDate>
				<footnoteId id="F3"/>
			</exerciseDate>
			<expirationDate>
				<value>2015-04-18</value>
				<footnoteId id="F3"/>
			</expirationDate>
			<underlyingSecurity>
				<underlyingSecurityTitle>
					<value>CFFN Common Stock</value>
				</underlyingSecurityTitle>
				<underlyingSecurityShares>
					<value>76775.00</value>
				</underlyingSecurityShares>
			</underlyingSecurity>
			<postTransactionAmounts>
				<sharesOwnedFollowingTransaction>
					<value>76775.00</value>
				</sharesOwnedFollowingTransaction>
			</postTransactionAmounts>
			<ownershipNature>
				<directOrIndirectOwnership>
					<value>D</value>
				</directOrIndirectOwnership>
				<natureOfOwnership>
					<value/>
				</natureOfOwnership>
			</ownershipNature>
		</derivativeHolding>
		<derivativeHolding>
			<securityTitle>
				<value>CFFN Phantom Stock 2001</value>
			</securityTitle>
			<conversionOrExercisePrice>
				<value>16.75</value>
			</conversionOrExercisePrice>
			<exerciseDate>
				<footnoteId id="F1"/>
			</exerciseDate>
			<expirationDate>
				<value>2004-01-25</value>
				<footnoteId id="F1"/>
			</expirationDate>
			<underlyingSecurity>
				<underlyingSecurityTitle>
					<value>CFFN Common Stock</value>
				</underlyingSecurityTitle>
				<underlyingSecurityShares>
					<value>3063.00</value>
				</underlyingSecurityShares>
			</underlyingSecurity>
			<postTransactionAmounts>
				<sharesOwnedFollowingTransaction>
					<value>3063.00</value>
				</sharesOwnedFollowingTransaction>
			</postTransactionAmounts>
			<ownershipNature>
				<directOrIndirectOwnership>
					<value>D</value>
				</directOrIndirectOwnership>
				<natureOfOwnership>
					<value/>
				</natureOfOwnership>
			</ownershipNature>
		</derivativeHolding>
		<derivativeHolding>
			<securityTitle>
				<value>CFFN Phantom Stock 2002</value>
			</securityTitle>
			<conversionOrExercisePrice>
				<value>20.84</value>
			</conversionOrExercisePrice>
			<exerciseDate>
				<footnoteId id="F1"/>
			</exerciseDate>
			<expirationDate>
				<value>2005-01-25</value>
				<footnoteId id="F1"/>
			</expirationDate>
			<underlyingSecurity>
				<underlyingSecurityTitle>
					<value>CFFN Common Stock</value>
				</underlyingSecurityTitle>
				<underlyingSecurityShares>
					<value>2169.00</value>
				</underlyingSecurityShares>
			</underlyingSecurity>
			<postTransactionAmounts>
				<sharesOwnedFollowingTransaction>
					<value>2169.00</value>
				</sharesOwnedFollowingTransaction>
			</postTransactionAmounts>
			<ownershipNature>
				<directOrIndirectOwnership>
					<value>D</value>
				</directOrIndirectOwnership>
				<natureOfOwnership>
					<value/>
				</natureOfOwnership>
			</ownershipNature>
		</derivativeHolding>
		<derivativeHolding>
			<securityTitle>
				<value>CFFN Phantom Stock 2003</value>
			</securityTitle>
			<conversionOrExercisePrice>
				<value>28.80</value>
			</conversionOrExercisePrice>
			<exerciseDate>
				<footnoteId id="F1"/>
			</exerciseDate>
			<expirationDate>
				<value>2006-01-25</value>
				<footnoteId id="F1"/>
			</expirationDate>
			<underlyingSecurity>
				<underlyingSecurityTitle>
					<value>CFFN Common Stock</value>
				</underlyingSecurityTitle>
				<underlyingSecurityShares>
					<value>1222.00</value>
				</underlyingSecurityShares>
			</underlyingSecurity>
			<postTransactionAmounts>
				<sharesOwnedFollowingTransaction>
					<value>1222.00</value>
				</sharesOwnedFollowingTransaction>
			</postTransactionAmounts>
			<ownershipNature>
				<directOrIndirectOwnership>
					<value>D</value>
				</directOrIndirectOwnership>
				<natureOfOwnership>
					<value/>
				</natureOfOwnership>
			</ownershipNature>
		</derivativeHolding>
	</derivativeTable>
	<footnotes>
		<footnote id="F1">Phantom stock units were acquired under the Company's Deferred Incentive Bonus Plan.  The units are deemed sold and settled in cash three years from date of acquisiton.</footnote>
		<footnote id="F2">A total of 10,845 options vested on each of April 18, 2000, April 18, 2001, April 18, 2002 and April 18, 2003.  A total of 10,845 options will vest on April 18, 2004.</footnote>
		<footnote id="F3">A total of 19,155 options vested on each of April 18, 2000, April 18, 2001, April 18, 2002 and April 18, 2003. A total of 19,155 options will vest on April 18, 2004.</footnote>
	</footnotes>
	<remarks>
	</remarks>
	<ownerSignature>
		<signatureName>/s/ Brubaker, Larry K.</signatureName>
		<signatureDate>2004-01-05</signatureDate>
	</ownerSignature>
</ownershipDocument>

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