-----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,
 IMoy6eEE5JSRqMEm2qcEQni47GETCXahMDc/x+XaHfX6K+hPM9YiX2Wl7vzVMYan
 z96MOW31Qxu++Gg1B1rjFw==

<SEC-DOCUMENT>0000904280-03-000122.txt : 20030724
<SEC-HEADER>0000904280-03-000122.hdr.sgml : 20030724
<ACCEPTANCE-DATETIME>20030707184639
ACCESSION NUMBER:		0000904280-03-000122
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030702
FILED AS OF DATE:		20030708

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			GRIFFITH JOHN J
		CENTRAL INDEX KEY:			0001234152

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-11515
		FILM NUMBER:		03777619

	MAIL ADDRESS:	
		STREET 1:		1304 N 139 ST
		CITY:			OMAHA
		STATE:			NE
		ZIP:			68154

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			COMMERCIAL FEDERAL CORP
		CENTRAL INDEX KEY:			0000744778
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				470658852
		STATE OF INCORPORATION:			NE
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		13220 CALIFORNIA STREET
		CITY:			OMAHA
		STATE:			NE
		ZIP:			68154
		BUSINESS PHONE:		4025549200

	MAIL ADDRESS:	
		STREET 1:		COMMERCIAL FEDERAL BUILDING
		STREET 2:		13220 CALIFORNIA STREET
		CITY:			OMAHA
		STATE:			NE
		ZIP:			68154
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>fm4griffith1072-20030703_ex.xml
<TEXT>
<XML>
<?xml version="1.0"?>
<!-- - EDGAR Ease Plus 1.0                                   04/22/03  TZ    -->
<ownershipDocument>
    <schemaVersion>X0101</schemaVersion>

    <documentType>4</documentType>
   <periodOfReport>2003-07-02</periodOfReport>
    <issuer>
        <issuerCik>0000744778</issuerCik>
        <issuerName>COMMERCIAL FEDERAL CORP</issuerName>
        <issuerTradingSymbol>CFB</issuerTradingSymbol>
   </issuer>
   <reportingOwner>
      <reportingOwnerId>
            <rptOwnerCik>0001234152</rptOwnerCik>
            <rptOwnerName>GRIFFITH JOHN J</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>  </rptOwnerStreet1>
            <rptOwnerStreet2>  </rptOwnerStreet2>
            <rptOwnerCity>  </rptOwnerCity>
            <rptOwnerState>  </rptOwnerState>
            <rptOwnerZipCode>  </rptOwnerZipCode>
        </reportingOwnerAddress>
            <reportingOwnerRelationship>
         <isDirector>0</isDirector>
         <isOfficer>1</isOfficer>
         <isTenPercentOwner>0</isTenPercentOwner>
         <isOther>0</isOther>
         <officerTitle>First Vice Pres.</officerTitle>
       </reportingOwnerRelationship>
   </reportingOwner>
   <nonDerivativeSecurity>
      <securityTitle>
         <value>Common Stock</value>
      </securityTitle>
      <transactionDate>
         <value>2003-06-30</value>
      </transactionDate>
      <deemedExecutionDate>
         <value>2003-07-02</value>
      </deemedExecutionDate>
      <transactionCoding>
         <transactionFormType>4</transactionFormType>
         <transactionCode>F</transactionCode>
         <equitySwapInvolved>0</equitySwapInvolved>
      </transactionCoding>
      <transactionAmounts>
         <transactionShares>
           <value>77</value>
         </transactionShares>
         <transactionValue>
           <value>21.20</value>
         </transactionValue>
         <transactionAcquiredDisposedCode>
           <value>D</value>
         </transactionAcquiredDisposedCode>
      </transactionAmounts>
     <postTransactionAmounts>
         <sharesOwnedFollowingTransaction>
           <value>3044</value>
            <footnoteId id="F1"/>
         </sharesOwnedFollowingTransaction>
      </postTransactionAmounts>
      <ownershipNature>
         <directOrIndirectOwnership>
            <value>I</value>
         </directOrIndirectOwnership>
         <natureOfOwnership>
            <value>Restricted Stock</value>
         </natureOfOwnership>
      </ownershipNature>
   </nonDerivativeSecurity>
   <footnotes>
<footnote id="F1"> The 3,044 shares of restricted stock indirectly owned by the reporting person reflects the vesting of 187 shares, now shown as owned directly, pursuant to the Commercial Federal Corporation 1996 Stock Option and Incentive Plan. In addition, the reporting person owns 1,592 shares directly and 9,532 shares indirectly through the issuer's 401(k) plan trust.</footnote>
   </footnotes>
   <ownerSignature>
      <signatureName>Gary R. Bronstein, Esq., Attorney-in-Fact</signatureName>
      <signatureDate>2003-07-07</signatureDate>
   </ownerSignature>
</ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----