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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 WnV+1dQygURh0dmnPLK0haYgbZjzS6ukr/R0Z70hZruSVXf0JVl6Y1DLqQRZHetQ
 EFzvX+RJ5a2ZJZHNOo6AUw==

<SEC-DOCUMENT>0000904280-03-000123.txt : 20030724
<SEC-HEADER>0000904280-03-000123.hdr.sgml : 20030724
<ACCEPTANCE-DATETIME>20030707184740
ACCESSION NUMBER:		0000904280-03-000123
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030630
FILED AS OF DATE:		20030708

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			FITZGERALD WILLIAM A
		CENTRAL INDEX KEY:			0001234150

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-11515
		FILM NUMBER:		03777623

	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>fm4newfitzgerald-1072_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>2003-06-30</periodOfReport>
   <notSubjectToSection16>0</notSubjectToSection16>
    <issuer>
        <issuerCik>0000744778</issuerCik>
        <issuerName>COMMERCIAL FEDERAL CORP</issuerName>
        <issuerTradingSymbol>CFB</issuerTradingSymbol>
   </issuer>
   <reportingOwner>
      <reportingOwnerId>
            <rptOwnerCik>0001234150</rptOwnerCik>
            <rptOwnerName>FITZGERALD WILLIAM A</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>  </rptOwnerStreet1>
            <rptOwnerStreet2>  </rptOwnerStreet2>
            <rptOwnerCity>  </rptOwnerCity>
            <rptOwnerState>  </rptOwnerState>
            <rptOwnerZipCode>  </rptOwnerZipCode>
        </reportingOwnerAddress>
            <reportingOwnerRelationship>
         <isDirector>1</isDirector>
         <isOfficer>1</isOfficer>
         <isTenPercentOwner>0</isTenPercentOwner>
         <isOther>0</isOther>
         <officerTitle>Chairman and CEO</officerTitle>
       </reportingOwnerRelationship>
   </reportingOwner>
   <nonDerivativeSecurity>
      <securityTitle>
         <value>Common Stock</value>
      </securityTitle>
      <transactionDate>
         <value>2003-06-30</value>
      </transactionDate>
      <deemedExecutionDate>
         <value>2003-07-03</value>
      </deemedExecutionDate>
      <transactionCoding>
         <transactionFormType>4</transactionFormType>
         <transactionCode>A</transactionCode>
         <equitySwapInvolved>0</equitySwapInvolved>
      </transactionCoding>
      <transactionAmounts>
         <transactionShares>
           <value>2964</value>
         </transactionShares>
         <transactionValue>
           <value>0</value>
            <footnoteId id="F1"/>
         </transactionValue>
         <transactionAcquiredDisposedCode>
           <value>A</value>
         </transactionAcquiredDisposedCode>
      </transactionAmounts>
     <postTransactionAmounts>
         <sharesOwnedFollowingTransaction>
           <value>2964</value>
            <footnoteId id="F1"/>
         </sharesOwnedFollowingTransaction>
      </postTransactionAmounts>
      <ownershipNature>
         <directOrIndirectOwnership>
            <value>I</value>
         </directOrIndirectOwnership>
         <natureOfOwnership>
            <value>Stk Opt &amp; Stk Deferral Plan</value>
         </natureOfOwnership>
      </ownershipNature>
   </nonDerivativeSecurity>
   <footnotes>
<footnote id="F1"> 2,964 shares of restricted stock vested pursuant to the 1996 Stock Option and Incentive Plan of Commercial Federal Corporation of which 100% were deferred into the Commercial Federal Stock Option and Restricted Stock Deferral Plan. In addition, the reporting person owns: (i) 33,765 shares indirectly as restricted stock, which reflects the vesting of 2,964 shares; (ii) 221,373 shares directly; (iii) 183,358 shares indirectly through the issuer's 401(k) plan trust; (iv) 3,341 shares indirectly by the rabbi trust; (v) 28,701 shares indirectly owned by the reporting person's spouse; and (vi) 856 shares indirectly owned by the reporting person's spouse through the issuer's dividend reinvestment plan.</footnote>
   </footnotes>
   <ownerSignature>
      <signatureName>Gary R. Bronstein, Esq., Attorney-in-Fact</signatureName>
      <signatureDate>2003-07-07</signatureDate>
   </ownerSignature>
</ownershipDocument>

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