<?xml version="1.0"?>

<ownershipDocument>

    <documentType>4/A</documentType>

    <periodOfReport>2003-05-16</periodOfReport>

    <dateOfOriginalSubmission>2003-05-19</dateOfOriginalSubmission>

    <notSubjectToSection16>0</notSubjectToSection16>

    <issuer>
        <issuerCik>0000790183</issuerCik>
        <issuerName>PROGRESS FINANCIAL CORP</issuerName>
        <issuerTradingSymbol>PFNC</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0000949197</rptOwnerCik>
            <rptOwnerName>WYCOFF W KIRK</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>CEO, Chairman of the Board</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeSecurity>
        <securityTitle>
            <value>PFNC Common Stock (acquired through stock dividend)</value>
        </securityTitle>
        <transactionDate>
            <value>2003-05-16</value>
        </transactionDate>
        <deemedExecutionDate>
            <value>2003-05-16</value>
        </deemedExecutionDate>
        <transactionCoding>
            <transactionFormType>4</transactionFormType>
            <transactionCode>J</transactionCode>
            <equitySwapInvolved>0</equitySwapInvolved>
        </transactionCoding>
        <transactionTimeliness>
            <value></value>
        </transactionTimeliness>
        <transactionAmounts>
            <transactionShares>
                <value>11839</value>
                <footnoteId id="F1"/>
            </transactionShares>
            <transactionValue>
                <value>14.3</value>
            </transactionValue>
            <transactionAcquiredDisposedCode>
                <value>A</value>
            </transactionAcquiredDisposedCode>
        </transactionAmounts>
        <postTransactionAmounts>
            <sharesOwnedFollowingTransaction>
                <value>248623</value>
            </sharesOwnedFollowingTransaction>
        </postTransactionAmounts>
        <ownershipNature>
            <directOrIndirectOwnership>
                <value>D</value>
            </directOrIndirectOwnership>
        </ownershipNature>
    </nonDerivativeSecurity>

    <nonDerivativeSecurity>
        <securityTitle>
            <value>PFNC Common Stock acquired through ESOP stock dividend</value>
        </securityTitle>
        <transactionDate>
            <value>2003-05-16</value>
        </transactionDate>
        <deemedExecutionDate>
            <value>2003-05-16</value>
        </deemedExecutionDate>
        <transactionCoding>
            <transactionFormType>4</transactionFormType>
            <transactionCode>J</transactionCode>
            <equitySwapInvolved>0</equitySwapInvolved>
        </transactionCoding>
        <transactionTimeliness>
            <value></value>
        </transactionTimeliness>
        <transactionAmounts>
            <transactionShares>
                <value>143</value>
                <footnoteId id="F1"/>
            </transactionShares>
            <transactionValue>
                <value>14.3</value>
            </transactionValue>
            <transactionAcquiredDisposedCode>
                <value>A</value>
            </transactionAcquiredDisposedCode>
        </transactionAmounts>
        <postTransactionAmounts>
            <sharesOwnedFollowingTransaction>
                <value>3006</value>
            </sharesOwnedFollowingTransaction>
        </postTransactionAmounts>
        <ownershipNature>
            <directOrIndirectOwnership>
                <value>D</value>
            </directOrIndirectOwnership>
        </ownershipNature>
    </nonDerivativeSecurity>

    <derivativeSecurity>
        <securityTitle>
            <value>PFNC Common Stock Options (right to buy)</value>
        </securityTitle>
        <conversionOrExercisePrice>
            <value>4.36</value>
            <footnoteId id="F2"/>
        </conversionOrExercisePrice>
        <transactionDate>
            <value>2003-05-16</value>
        </transactionDate>
        <deemedExecutionDate>
            <value>2003-05-16</value>
        </deemedExecutionDate>
        <transactionCoding>
            <transactionFormType>4</transactionFormType>
            <transactionCode>J</transactionCode>
            <equitySwapInvolved>0</equitySwapInvolved>
        </transactionCoding>
        <transactionTimeliness>
            <value></value>
        </transactionTimeliness>
        <transactionAmounts>
            <transactionShares>
                <value>2187</value>
                <footnoteId id="F3"/>
            </transactionShares>
            <transactionValue>
                <value>4.36</value>
            </transactionValue>
            <transactionAcquiredDisposedCode>
                <value>A</value>
            </transactionAcquiredDisposedCode>
        </transactionAmounts>
        <exerciseDate>
            <value>1996-01-01</value>
        </exerciseDate>
        <expirationDate>
            <value>2006-01-01</value>
        </expirationDate>
        <underlyingSecurity>
            <underlyingSecurityTitle>
                <value>common stock</value>
            </underlyingSecurityTitle>
            <underlyingSecurityShares>
                <value>2187</value>
            </underlyingSecurityShares>
        </underlyingSecurity>
        <postTransactionAmounts>
            <sharesOwnedFollowingTransaction>
                <value>45944</value>
            </sharesOwnedFollowingTransaction>
        </postTransactionAmounts>
        <ownershipNature>
            <directOrIndirectOwnership>
                <value>D</value>
            </directOrIndirectOwnership>
        </ownershipNature>
    </derivativeSecurity>

    <derivativeSecurity>
        <securityTitle>
            <value>PFNC Common Stock Options (right to buy)</value>
        </securityTitle>
        <conversionOrExercisePrice>
            <value>6.51</value>
            <footnoteId id="F2"/>
        </conversionOrExercisePrice>
        <transactionDate>
            <value>2003-05-16</value>
        </transactionDate>
        <deemedExecutionDate>
            <value>2003-05-16</value>
        </deemedExecutionDate>
        <transactionCoding>
            <transactionFormType>4</transactionFormType>
            <transactionCode>J</transactionCode>
            <equitySwapInvolved>0</equitySwapInvolved>
        </transactionCoding>
        <transactionTimeliness>
            <value></value>
        </transactionTimeliness>
        <transactionAmounts>
            <transactionShares>
                <value>1606</value>
                <footnoteId id="F3"/>
            </transactionShares>
            <transactionValue>
                <value>6.51</value>
            </transactionValue>
            <transactionAcquiredDisposedCode>
                <value>A</value>
            </transactionAcquiredDisposedCode>
        </transactionAmounts>
        <exerciseDate>
            <value>1997-01-27</value>
        </exerciseDate>
        <expirationDate>
            <value>2007-01-27</value>
        </expirationDate>
        <underlyingSecurity>
            <underlyingSecurityTitle>
                <value>common stock</value>
            </underlyingSecurityTitle>
            <underlyingSecurityShares>
                <value>1606</value>
            </underlyingSecurityShares>
        </underlyingSecurity>
        <postTransactionAmounts>
            <sharesOwnedFollowingTransaction>
                <value>33741</value>
            </sharesOwnedFollowingTransaction>
        </postTransactionAmounts>
        <ownershipNature>
            <directOrIndirectOwnership>
                <value>D</value>
            </directOrIndirectOwnership>
        </ownershipNature>
    </derivativeSecurity>

    <derivativeSecurity>
        <securityTitle>
            <value>PFNC Common Stock Options (right to buy)</value>
        </securityTitle>
        <conversionOrExercisePrice>
            <value>6.51</value>
            <footnoteId id="F2"/>
        </conversionOrExercisePrice>
        <transactionDate>
            <value>2003-05-16</value>
        </transactionDate>
        <deemedExecutionDate>
            <value>2003-05-16</value>
        </deemedExecutionDate>
        <transactionCoding>
            <transactionFormType>4</transactionFormType>
            <transactionCode>J</transactionCode>
            <equitySwapInvolved>0</equitySwapInvolved>
        </transactionCoding>
        <transactionTimeliness>
            <value></value>
        </transactionTimeliness>
        <transactionAmounts>
            <transactionShares>
                <value>4470</value>
                <footnoteId id="F3"/>
            </transactionShares>
            <transactionValue>
                <value>6.51</value>
            </transactionValue>
            <transactionAcquiredDisposedCode>
                <value>A</value>
            </transactionAcquiredDisposedCode>
        </transactionAmounts>
        <exerciseDate>
            <value>1997-01-27</value>
        </exerciseDate>
        <expirationDate>
            <value>2007-01-27</value>
        </expirationDate>
        <underlyingSecurity>
            <underlyingSecurityTitle>
                <value>common stock</value>
            </underlyingSecurityTitle>
            <underlyingSecurityShares>
                <value>4470</value>
            </underlyingSecurityShares>
        </underlyingSecurity>
        <postTransactionAmounts>
            <sharesOwnedFollowingTransaction>
                <value>93882</value>
            </sharesOwnedFollowingTransaction>
        </postTransactionAmounts>
        <ownershipNature>
            <directOrIndirectOwnership>
                <value>D</value>
            </directOrIndirectOwnership>
        </ownershipNature>
    </derivativeSecurity>

    <derivativeSecurity>
        <securityTitle>
            <value>PFNC Common Stock Options (right to buy)</value>
        </securityTitle>
        <conversionOrExercisePrice>
            <value>11.34</value>
            <footnoteId id="F2"/>
        </conversionOrExercisePrice>
        <transactionDate>
            <value>2003-05-16</value>
        </transactionDate>
        <deemedExecutionDate>
            <value>2003-05-16</value>
        </deemedExecutionDate>
        <transactionCoding>
            <transactionFormType>4</transactionFormType>
            <transactionCode>J</transactionCode>
            <equitySwapInvolved>0</equitySwapInvolved>
        </transactionCoding>
        <transactionTimeliness>
            <value></value>
        </transactionTimeliness>
        <transactionAmounts>
            <transactionShares>
                <value>1260</value>
                <footnoteId id="F3"/>
            </transactionShares>
            <transactionValue>
                <value>11.34</value>
            </transactionValue>
            <transactionAcquiredDisposedCode>
                <value>A</value>
            </transactionAcquiredDisposedCode>
        </transactionAmounts>
        <exerciseDate>
            <value>2000-02-01</value>
        </exerciseDate>
        <expirationDate>
            <value>2010-02-01</value>
        </expirationDate>
        <underlyingSecurity>
            <underlyingSecurityTitle>
                <value>common stock</value>
            </underlyingSecurityTitle>
            <underlyingSecurityShares>
                <value>1260</value>
            </underlyingSecurityShares>
        </underlyingSecurity>
        <postTransactionAmounts>
            <sharesOwnedFollowingTransaction>
                <value>26460</value>
            </sharesOwnedFollowingTransaction>
        </postTransactionAmounts>
        <ownershipNature>
            <directOrIndirectOwnership>
                <value>D</value>
            </directOrIndirectOwnership>
        </ownershipNature>
    </derivativeSecurity>

    <derivativeSecurity>
        <securityTitle>
            <value>PFNC Common Stock Options (right to buy)</value>
        </securityTitle>
        <conversionOrExercisePrice>
            <value>11.34</value>
            <footnoteId id="F2"/>
        </conversionOrExercisePrice>
        <transactionDate>
            <value>2003-05-16</value>
        </transactionDate>
        <deemedExecutionDate>
            <value>2003-05-16</value>
        </deemedExecutionDate>
        <transactionCoding>
            <transactionFormType>4</transactionFormType>
            <transactionCode>J</transactionCode>
            <equitySwapInvolved>0</equitySwapInvolved>
        </transactionCoding>
        <transactionTimeliness>
            <value></value>
        </transactionTimeliness>
        <transactionAmounts>
            <transactionShares>
                <value>840</value>
                <footnoteId id="F3"/>
            </transactionShares>
            <transactionValue>
                <value>11.34</value>
            </transactionValue>
            <transactionAcquiredDisposedCode>
                <value>A</value>
            </transactionAcquiredDisposedCode>
        </transactionAmounts>
        <exerciseDate>
            <value>2000-02-01</value>
        </exerciseDate>
        <expirationDate>
            <value>2010-02-01</value>
        </expirationDate>
        <underlyingSecurity>
            <underlyingSecurityTitle>
                <value>common stock</value>
            </underlyingSecurityTitle>
            <underlyingSecurityShares>
                <value>840</value>
            </underlyingSecurityShares>
        </underlyingSecurity>
        <postTransactionAmounts>
            <sharesOwnedFollowingTransaction>
                <value>17640</value>
            </sharesOwnedFollowingTransaction>
        </postTransactionAmounts>
        <ownershipNature>
            <directOrIndirectOwnership>
                <value>D</value>
            </directOrIndirectOwnership>
        </ownershipNature>
    </derivativeSecurity>

    <derivativeSecurity>
        <securityTitle>
            <value>PFNC Common Stock Options (right to buy)</value>
        </securityTitle>
        <conversionOrExercisePrice>
            <value>7.38</value>
            <footnoteId id="F2"/>
        </conversionOrExercisePrice>
        <transactionDate>
            <value>2003-05-16</value>
        </transactionDate>
        <deemedExecutionDate>
            <value>2003-05-16</value>
        </deemedExecutionDate>
        <transactionCoding>
            <transactionFormType>4</transactionFormType>
            <transactionCode>J</transactionCode>
            <equitySwapInvolved>0</equitySwapInvolved>
        </transactionCoding>
        <transactionTimeliness>
            <value></value>
        </transactionTimeliness>
        <transactionAmounts>
            <transactionShares>
                <value>1171</value>
                <footnoteId id="F3"/>
            </transactionShares>
            <transactionValue>
                <value>7.38</value>
            </transactionValue>
            <transactionAcquiredDisposedCode>
                <value>A</value>
            </transactionAcquiredDisposedCode>
        </transactionAmounts>
        <exerciseDate>
            <value>2001-02-27</value>
        </exerciseDate>
        <expirationDate>
            <value>2011-02-27</value>
        </expirationDate>
        <underlyingSecurity>
            <underlyingSecurityTitle>
                <value>common stock</value>
            </underlyingSecurityTitle>
            <underlyingSecurityShares>
                <value>1171</value>
            </underlyingSecurityShares>
        </underlyingSecurity>
        <postTransactionAmounts>
            <sharesOwnedFollowingTransaction>
                <value>24622</value>
            </sharesOwnedFollowingTransaction>
        </postTransactionAmounts>
        <ownershipNature>
            <directOrIndirectOwnership>
                <value>D</value>
            </directOrIndirectOwnership>
        </ownershipNature>
    </derivativeSecurity>

    <derivativeSecurity>
        <securityTitle>
            <value>PFNC Common Stock Options (right to buy)</value>
        </securityTitle>
        <conversionOrExercisePrice>
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            <footnoteId id="F2"/>
        </conversionOrExercisePrice>
        <transactionDate>
            <value>2003-05-16</value>
        </transactionDate>
        <deemedExecutionDate>
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        </deemedExecutionDate>
        <transactionCoding>
            <transactionFormType>4</transactionFormType>
            <transactionCode>J</transactionCode>
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        </transactionCoding>
        <transactionTimeliness>
            <value></value>
        </transactionTimeliness>
        <transactionAmounts>
            <transactionShares>
                <value>577</value>
                <footnoteId id="F3"/>
            </transactionShares>
            <transactionValue>
                <value>7.38</value>
            </transactionValue>
            <transactionAcquiredDisposedCode>
                <value>A</value>
            </transactionAcquiredDisposedCode>
        </transactionAmounts>
        <exerciseDate>
            <value>2001-02-27</value>
        </exerciseDate>
        <expirationDate>
            <value>2011-02-27</value>
        </expirationDate>
        <underlyingSecurity>
            <underlyingSecurityTitle>
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            </underlyingSecurityTitle>
            <underlyingSecurityShares>
                <value>577</value>
            </underlyingSecurityShares>
        </underlyingSecurity>
        <postTransactionAmounts>
            <sharesOwnedFollowingTransaction>
                <value>12127</value>
            </sharesOwnedFollowingTransaction>
        </postTransactionAmounts>
        <ownershipNature>
            <directOrIndirectOwnership>
                <value>D</value>
            </directOrIndirectOwnership>
        </ownershipNature>
    </derivativeSecurity>

    <derivativeSecurity>
        <securityTitle>
            <value>PFNC Common Stock Options (right to buy)</value>
        </securityTitle>
        <conversionOrExercisePrice>
            <value>12.38</value>
            <footnoteId id="F2"/>
        </conversionOrExercisePrice>
        <transactionDate>
            <value>2003-05-16</value>
        </transactionDate>
        <deemedExecutionDate>
            <value>2003-05-16</value>
        </deemedExecutionDate>
        <transactionCoding>
            <transactionFormType>4</transactionFormType>
            <transactionCode>J</transactionCode>
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        </transactionCoding>
        <transactionTimeliness>
            <value></value>
        </transactionTimeliness>
        <transactionAmounts>
            <transactionShares>
                <value>555</value>
                <footnoteId id="F3"/>
            </transactionShares>
            <transactionValue>
                <value>12.38</value>
            </transactionValue>
            <transactionAcquiredDisposedCode>
                <value>A</value>
            </transactionAcquiredDisposedCode>
        </transactionAmounts>
        <exerciseDate>
            <value>2004-02-26</value>
        </exerciseDate>
        <expirationDate>
            <value>2013-02-26</value>
        </expirationDate>
        <underlyingSecurity>
            <underlyingSecurityTitle>
                <value>common stock</value>
            </underlyingSecurityTitle>
            <underlyingSecurityShares>
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            </underlyingSecurityShares>
        </underlyingSecurity>
        <postTransactionAmounts>
            <sharesOwnedFollowingTransaction>
                <value>11648</value>
            </sharesOwnedFollowingTransaction>
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        <ownershipNature>
            <directOrIndirectOwnership>
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            </directOrIndirectOwnership>
        </ownershipNature>
    </derivativeSecurity>

    <derivativeSecurity>
        <securityTitle>
            <value>PFNC Common Stock Options (right to buy)</value>
        </securityTitle>
        <conversionOrExercisePrice>
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            <footnoteId id="F2"/>
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        <transactionDate>
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        </transactionDate>
        <deemedExecutionDate>
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        </deemedExecutionDate>
        <transactionCoding>
            <transactionFormType>4</transactionFormType>
            <transactionCode>J</transactionCode>
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        </transactionCoding>
        <transactionTimeliness>
            <value></value>
        </transactionTimeliness>
        <transactionAmounts>
            <transactionShares>
                <value>193</value>
                <footnoteId id="F3"/>
            </transactionShares>
            <transactionValue>
                <value>12.38</value>
            </transactionValue>
            <transactionAcquiredDisposedCode>
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        </transactionAmounts>
        <exerciseDate>
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        <expirationDate>
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            </underlyingSecurityShares>
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            <sharesOwnedFollowingTransaction>
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            </sharesOwnedFollowingTransaction>
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        <ownershipNature>
            <directOrIndirectOwnership>
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            </directOrIndirectOwnership>
        </ownershipNature>
    </derivativeSecurity>

    <derivativeSecurity>
        <securityTitle>
            <value>PFNC Common Stock Options (right to buy)</value>
        </securityTitle>
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        </deemedExecutionDate>
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                <footnoteId id="F3"/>
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    </derivativeSecurity>

    <derivativeSecurity>
        <securityTitle>
            <value>PFNC Common Stock Options (right to buy)</value>
        </securityTitle>
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            <footnoteId id="F2"/>
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        <transactionTimeliness>
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        <transactionAmounts>
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                <footnoteId id="F3"/>
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        <expirationDate>
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            <sharesOwnedFollowingTransaction>
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            </sharesOwnedFollowingTransaction>
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        <ownershipNature>
            <directOrIndirectOwnership>
                <value>D</value>
            </directOrIndirectOwnership>
        </ownershipNature>
    </derivativeSecurity>

    <derivativeSecurity>
        <securityTitle>
            <value>PFNC Common Stock Options (right to buy)</value>
        </securityTitle>
        <conversionOrExercisePrice>
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            <footnoteId id="F2"/>
        </conversionOrExercisePrice>
        <transactionDate>
            <value>2003-05-16</value>
        </transactionDate>
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            <value>2003-05-16</value>
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        <transactionAmounts>
            <transactionShares>
                <value>384</value>
                <footnoteId id="F3"/>
            </transactionShares>
            <transactionValue>
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        <exerciseDate>
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        <expirationDate>
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        <postTransactionAmounts>
            <sharesOwnedFollowingTransaction>
                <value>8076</value>
            </sharesOwnedFollowingTransaction>
        </postTransactionAmounts>
        <ownershipNature>
            <directOrIndirectOwnership>
                <value>D</value>
            </directOrIndirectOwnership>
        </ownershipNature>
    </derivativeSecurity>

    <derivativeSecurity>
        <securityTitle>
            <value>PFNC Common Stock options (right to buy)</value>
        </securityTitle>
        <conversionOrExercisePrice>
            <value>12.38</value>
            <footnoteId id="F2"/>
        </conversionOrExercisePrice>
        <transactionDate>
            <value>2003-05-16</value>
        </transactionDate>
        <deemedExecutionDate>
            <value>2003-05-16</value>
        </deemedExecutionDate>
        <transactionCoding>
            <transactionFormType>4</transactionFormType>
            <transactionCode>J</transactionCode>
            <equitySwapInvolved>0</equitySwapInvolved>
        </transactionCoding>
        <transactionTimeliness>
            <value></value>
        </transactionTimeliness>
        <transactionAmounts>
            <transactionShares>
                <value>384</value>
                <footnoteId id="F3"/>
            </transactionShares>
            <transactionValue>
                <value>12.38</value>
            </transactionValue>
            <transactionAcquiredDisposedCode>
                <value>A</value>
            </transactionAcquiredDisposedCode>
        </transactionAmounts>
        <exerciseDate>
            <value>2006-02-26</value>
        </exerciseDate>
        <expirationDate>
            <value>2013-02-26</value>
        </expirationDate>
        <underlyingSecurity>
            <underlyingSecurityTitle>
                <value>common stock</value>
            </underlyingSecurityTitle>
            <underlyingSecurityShares>
                <value>384</value>
            </underlyingSecurityShares>
        </underlyingSecurity>
        <postTransactionAmounts>
            <sharesOwnedFollowingTransaction>
                <value>8077</value>
            </sharesOwnedFollowingTransaction>
        </postTransactionAmounts>
        <ownershipNature>
            <directOrIndirectOwnership>
                <value>D</value>
            </directOrIndirectOwnership>
        </ownershipNature>
    </derivativeSecurity>

    <footnotes>
        <footnote id="F1">shares acquired through 5% stock dividend payment.</footnote>
        <footnote id="F2">exercise price adjusted for 5% stock dividend payment.</footnote>
        <footnote id="F3">option acquired through 5% stock dividend payment.</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>/s/ W. Kirk Wycoff</signatureName>
        <signatureDate>2003-05-20</signatureDate>
    </ownerSignature>

</ownershipDocument>

