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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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MIC-Info: RSA-MD5,RSA,
 HycuurvtQG5jyFv4fpvsmI2xREWHAah2SLm4xhiSxVCoRIyfu/afsNenRnwHWNKm
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<SEC-DOCUMENT>0001185087-04-000001.txt : 20040416
<SEC-HEADER>0001185087-04-000001.hdr.sgml : 20040416
<ACCEPTANCE-DATETIME>20040416152031
ACCESSION NUMBER:		0001185087-04-000001
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030101
FILED AS OF DATE:		20040416

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			MATSUMOTO GILBERT J
		CENTRAL INDEX KEY:			0001185087

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-31567
		FILM NUMBER:		04738200

	MAIL ADDRESS:	
		STREET 1:		MATSUMOTO GROUP
		STREET 2:		1060 YOUNG STREET STE 301
		CITY:			HONOLULU
		STATE:			HI
		ZIP:			96814

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CENTRAL PACIFIC FINANCIAL CORP
		CENTRAL INDEX KEY:			0000701347
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				990212597
		STATE OF INCORPORATION:			HI
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		220 S KING ST
		CITY:			HONOLULU
		STATE:			HI
		ZIP:			96813
		BUSINESS PHONE:		8085440500

	MAIL ADDRESS:	
		STREET 1:		P O BOX 3590
		CITY:			HONOLULU
		STATE:			HI
		ZIP:			96811

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CPB INC
		DATE OF NAME CHANGE:	19920703
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>primary_doc.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0201</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2003-01-01</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

    <issuer>
        <issuerCik>0000701347</issuerCik>
        <issuerName>CENTRAL PACIFIC FINANCIAL CORP</issuerName>
        <issuerTradingSymbol>CPF</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001185087</rptOwnerCik>
            <rptOwnerName>MATSUMOTO GILBERT J</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>MATSUMOTO GROUP</rptOwnerStreet1>
            <rptOwnerStreet2>1060 YOUNG STREET STE 301</rptOwnerStreet2>
            <rptOwnerCity>HONOLULU</rptOwnerCity>
            <rptOwnerState>HI</rptOwnerState>
            <rptOwnerZipCode>96814</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common stock</value>
            </securityTitle>
            <transactionDate>
                <value>2003-01-01</value>
            </transactionDate>
            <deemedExecutionDate>
                <value>2004-04-12</value>
                <footnoteId id="F1"/>
            </deemedExecutionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>A</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
                <footnoteId id="F2"/>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>300</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>28.97</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>900</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
    </nonDerivativeTable>

    <footnotes>
        <footnote id="F1">Notification of stock grant made on 4/12/2004</footnote>
        <footnote id="F2">Stock grant under the Directors' Restricted Shares Program of the 1997 Stock Option Plan</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>Gilbert J. Matsumoto</signatureName>
        <signatureDate>2004-04-12</signatureDate>
    </ownerSignature>
</ownershipDocument>

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