-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 T+IBtSc36vetI9BnrUd3gt4zoGwWjXh/t0NYVJtHVJmkd8jlUXL/3rpqim6TazxO
 j6JfirbrMqbk2VegKHfcyw==

<SEC-DOCUMENT>0001005477-03-002336.txt : 20030729
<SEC-HEADER>0001005477-03-002336.hdr.sgml : 20030729
<ACCEPTANCE-DATETIME>20030729140155
ACCESSION NUMBER:		0001005477-03-002336
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030725
FILED AS OF DATE:		20030729

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			POINTE FINANCIAL CORP
		CENTRAL INDEX KEY:			0000917331
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				650451402
		STATE OF INCORPORATION:			FL
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		21845 POWERLINE RD
		CITY:			BOCA RATON
		STATE:			FL
		ZIP:			33433
		BUSINESS PHONE:		4073686300

	MAIL ADDRESS:	
		STREET 1:		21845 POWERLINE RD
		CITY:			BOCA RATON
		STATE:			FL
		ZIP:			33433

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			MCGINN TIMOTHY M
		CENTRAL INDEX KEY:			0001187310

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-24433
		FILM NUMBER:		03808155

	MAIL ADDRESS:	
		STREET 1:		21845 POWERLINE ROAD
		CITY:			BOCA RATON
		STATE:			FL
		ZIP:			33433
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>edgar123.xml
<DESCRIPTION>FORM 4
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0201</schemaVersion>

    <documentType>4</documentType>
    <periodOfReport>2003-07-25</periodOfReport>
    <notSubjectToSection16>0</notSubjectToSection16>
    <issuer>
        <issuerCik>0000917331</issuerCik>
        <issuerName>POINTE FINANCIAL CORP</issuerName>
        <issuerTradingSymbol>PNTE</issuerTradingSymbol>
    </issuer>

    <reportingOwner>

        <reportingOwnerId>
            <rptOwnerCik>0001187310</rptOwnerCik>
            <rptOwnerName>MCGINN TIMOTHY M</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>15 MARION AVENUE</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>ALBANY</rptOwnerCity>
            <rptOwnerState>NY</rptOwnerState>
            <rptOwnerZipCode>12203</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
            <reportingOwnerRelationship>
        <isDirector>1</isDirector>
        <isOfficer>1</isOfficer>
        <isTenPercentOwner>0</isTenPercentOwner>
        <isOther>0</isOther>
        <officerTitle>Vice Chairman</officerTitle>
    </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeTransaction>

        <securityTitle>
            <value>Common Stock</value>
        </securityTitle>

        <transactionDate>
            <value>2003-07-25</value>
        </transactionDate>

        <deemedExecutionDate>
            <value>2003-07-25</value>
        </deemedExecutionDate>
    <transactionCoding>
        <transactionFormType>4</transactionFormType>
        <transactionCode>S</transactionCode>
        <equitySwapInvolved>0</equitySwapInvolved>
    </transactionCoding>
        <transactionAmounts>

            <transactionShares>
                <value>500</value>
            </transactionShares>

            <transactionPricePerShare>
                <value>19.95</value>
            </transactionPricePerShare>

            <transactionAcquiredDisposedCode>
                <value>D</value>
            </transactionAcquiredDisposedCode>
        </transactionAmounts>
        <postTransactionAmounts>

            <sharesOwnedFollowingTransaction>
                <value>52052</value>
            </sharesOwnedFollowingTransaction>
        </postTransactionAmounts>
        <ownershipNature>

            <directOrIndirectOwnership>
                <value>I</value>
                <footnoteId id="F1"/>
            </directOrIndirectOwnership>

            <natureOfOwnership>
                <value>Corporations/Family</value>
            </natureOfOwnership>
        </ownershipNature>
        </nonDerivativeTransaction>

        <nonDerivativeTransaction>

        <securityTitle>
            <value>Common Stock</value>
        </securityTitle>

        <transactionDate>
            <value>2003-07-28</value>
        </transactionDate>

        <deemedExecutionDate>
            <value>2003-07-28</value>
        </deemedExecutionDate>
    <transactionCoding>
        <transactionFormType>4</transactionFormType>
        <transactionCode>S</transactionCode>
        <equitySwapInvolved>0</equitySwapInvolved>
    </transactionCoding>
        <transactionAmounts>

            <transactionShares>
                <value>200</value>
            </transactionShares>

            <transactionPricePerShare>
                <value>20.02</value>
            </transactionPricePerShare>

            <transactionAcquiredDisposedCode>
                <value>D</value>
            </transactionAcquiredDisposedCode>
        </transactionAmounts>
        <postTransactionAmounts>

            <sharesOwnedFollowingTransaction>
                <value>51852</value>
            </sharesOwnedFollowingTransaction>
        </postTransactionAmounts>
        <ownershipNature>

            <directOrIndirectOwnership>
                <value>I</value>
                <footnoteId id="F1"/>
            </directOrIndirectOwnership>

            <natureOfOwnership>
                <value>Corporations/Family</value>
            </natureOfOwnership>
        </ownershipNature>
        </nonDerivativeTransaction>

        <nonDerivativeTransaction>

        <securityTitle>
            <value>Common Stock</value>
        </securityTitle>

        <transactionDate>
            <value>2003-07-28</value>
        </transactionDate>

        <deemedExecutionDate>
            <value>2003-07-28</value>
        </deemedExecutionDate>
    <transactionCoding>
        <transactionFormType>4</transactionFormType>
        <transactionCode>S</transactionCode>
        <equitySwapInvolved>0</equitySwapInvolved>
    </transactionCoding>
        <transactionAmounts>

            <transactionShares>
                <value>1710</value>
            </transactionShares>

            <transactionPricePerShare>
                <value>20.00</value>
            </transactionPricePerShare>

            <transactionAcquiredDisposedCode>
                <value>D</value>
            </transactionAcquiredDisposedCode>
        </transactionAmounts>
        <postTransactionAmounts>

            <sharesOwnedFollowingTransaction>
                <value>50142</value>
            </sharesOwnedFollowingTransaction>
        </postTransactionAmounts>
        <ownershipNature>

            <directOrIndirectOwnership>
                <value>I</value>
                <footnoteId id="F1"/>
            </directOrIndirectOwnership>

            <natureOfOwnership>
                <value>Corporations/Family</value>
            </natureOfOwnership>
        </ownershipNature>
        </nonDerivativeTransaction>

    </nonDerivativeTable>
    <derivativeTable>
        <derivativeHolding>

        <securityTitle>
            <value>Option (right to buy)</value>
        </securityTitle>

        <conversionOrExercisePrice>
            <value>15.375</value>
        </conversionOrExercisePrice>

        <exerciseDate>
            <value>1998-07-01</value>
        </exerciseDate>

        <expirationDate>
            <value>2008-07-01</value>
        </expirationDate>
        <underlyingSecurity>

            <underlyingSecurityTitle>
                <value>Common Stock</value>
            </underlyingSecurityTitle>

            <underlyingSecurityShares>
                <value>1000</value>
            </underlyingSecurityShares>
        </underlyingSecurity>
        <postTransactionAmounts>

            <sharesOwnedFollowingTransaction>
                <value>1000</value>
            </sharesOwnedFollowingTransaction>
        </postTransactionAmounts>
        <ownershipNature>

            <directOrIndirectOwnership>
                <value>D</value>
                <footnoteId id="F2"/>
            </directOrIndirectOwnership>
        </ownershipNature>
        </derivativeHolding>

        <derivativeHolding>

        <securityTitle>
            <value>Option (right to buy)</value>
        </securityTitle>

        <conversionOrExercisePrice>
            <value>9.750</value>
        </conversionOrExercisePrice>

        <exerciseDate>
            <value>1999-04-16</value>
        </exerciseDate>

        <expirationDate>
            <value>2009-04-16</value>
        </expirationDate>
        <underlyingSecurity>

            <underlyingSecurityTitle>
                <value>Common Stock</value>
            </underlyingSecurityTitle>

            <underlyingSecurityShares>
                <value>1000</value>
            </underlyingSecurityShares>
        </underlyingSecurity>
        <postTransactionAmounts>

            <sharesOwnedFollowingTransaction>
                <value>1000</value>
            </sharesOwnedFollowingTransaction>
        </postTransactionAmounts>
        <ownershipNature>

            <directOrIndirectOwnership>
                <value>D</value>
                <footnoteId id="F2"/>
            </directOrIndirectOwnership>
        </ownershipNature>
        </derivativeHolding>

        <derivativeHolding>

        <securityTitle>
            <value>Option (right to buy)</value>
        </securityTitle>

        <conversionOrExercisePrice>
            <value>9.000</value>
        </conversionOrExercisePrice>

        <exerciseDate>
            <value>2000-04-28</value>
        </exerciseDate>

        <expirationDate>
            <value>2010-04-28</value>
        </expirationDate>
        <underlyingSecurity>

            <underlyingSecurityTitle>
                <value>Common Stock</value>
            </underlyingSecurityTitle>

            <underlyingSecurityShares>
                <value>1000</value>
            </underlyingSecurityShares>
        </underlyingSecurity>
        <postTransactionAmounts>

            <sharesOwnedFollowingTransaction>
                <value>1000</value>
            </sharesOwnedFollowingTransaction>
        </postTransactionAmounts>
        <ownershipNature>

            <directOrIndirectOwnership>
                <value>D</value>
                <footnoteId id="F2"/>
            </directOrIndirectOwnership>
        </ownershipNature>
        </derivativeHolding>

        <derivativeHolding>

        <securityTitle>
            <value>Option (right to buy)</value>
        </securityTitle>

        <conversionOrExercisePrice>
            <value>11.250</value>
        </conversionOrExercisePrice>

        <exerciseDate>
            <value>2001-04-27</value>
        </exerciseDate>

        <expirationDate>
            <value>2011-04-27</value>
        </expirationDate>
        <underlyingSecurity>

            <underlyingSecurityTitle>
                <value>Common Stock</value>
            </underlyingSecurityTitle>

            <underlyingSecurityShares>
                <value>2000</value>
            </underlyingSecurityShares>
        </underlyingSecurity>
        <postTransactionAmounts>

            <sharesOwnedFollowingTransaction>
                <value>2000</value>
            </sharesOwnedFollowingTransaction>
        </postTransactionAmounts>
        <ownershipNature>

            <directOrIndirectOwnership>
                <value>D</value>
                <footnoteId id="F2"/>
            </directOrIndirectOwnership>
        </ownershipNature>
        </derivativeHolding>

        <derivativeHolding>

        <securityTitle>
            <value>Option (right to buy)</value>
        </securityTitle>

        <conversionOrExercisePrice>
            <value>14.750</value>
        </conversionOrExercisePrice>

        <exerciseDate>
            <value>2002-04-26</value>
        </exerciseDate>

        <expirationDate>
            <value>2012-04-26</value>
        </expirationDate>
        <underlyingSecurity>

            <underlyingSecurityTitle>
                <value>Common Stock</value>
            </underlyingSecurityTitle>

            <underlyingSecurityShares>
                <value>2000</value>
            </underlyingSecurityShares>
        </underlyingSecurity>
        <postTransactionAmounts>

            <sharesOwnedFollowingTransaction>
                <value>2000</value>
            </sharesOwnedFollowingTransaction>
        </postTransactionAmounts>
        <ownershipNature>

            <directOrIndirectOwnership>
                <value>D</value>
                <footnoteId id="F2"/>
            </directOrIndirectOwnership>
        </ownershipNature>
        </derivativeHolding>

        <derivativeHolding>

        <securityTitle>
            <value>Option (right to buy)</value>
        </securityTitle>

        <conversionOrExercisePrice>
            <value>16.300</value>
        </conversionOrExercisePrice>

        <exerciseDate>
            <value>2003-04-25</value>
        </exerciseDate>

        <expirationDate>
            <value>2013-04-25</value>
        </expirationDate>
        <underlyingSecurity>

            <underlyingSecurityTitle>
                <value>Common Stock</value>
            </underlyingSecurityTitle>

            <underlyingSecurityShares>
                <value>5000</value>
            </underlyingSecurityShares>
        </underlyingSecurity>
        <postTransactionAmounts>

            <sharesOwnedFollowingTransaction>
                <value>5000</value>
            </sharesOwnedFollowingTransaction>
        </postTransactionAmounts>
        <ownershipNature>

            <directOrIndirectOwnership>
                <value>D</value>
                <footnoteId id="F2"/>
            </directOrIndirectOwnership>
        </ownershipNature>
        </derivativeHolding>

    </derivativeTable>
    <footnotes>
        <footnote id="F1">Number of shares held indirectly are 34,103. Of these shares, 31,603 are held by various corporations owned in part by Mr. McGinn. The number of shares held directly are 16,039; 6,615 shares are held jointly with
Mr. McGinn's wife.</footnote>
        <footnote id="F2">The number of deriviative securities held directly are 12,000. These securities were granted pursuant to the Pointe Financial Corporation 1998 Incentive Compensation and Stock Award Plan.</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>/s/ R. Carl Palmer, Jr., by Power of Attorney</signatureName>
        <signatureDate>2003-07-29</signatureDate>
    </ownerSignature>

</ownershipDocument>

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