Harbor Florida Bancshares, Inc. to Present at Friedman, Billings, Ramsey 11th Annual Investor Conference

Harbor Florida Bancshares, Inc. to Present at Friedman, Billings,
Ramsey 11th Annual Investor Conference 


FORT PIERCE, Fla., Nov. 23  /PRNewswire-FirstCall/ -- Harbor Florida
Bancshares, Inc. (NASDAQ:HARB), the holding company for Harbor Federal Savings
Bank, announced today that it would be participating in the Friedman, Billings,
Ramsey 11th Annual Investor Conference in New York City, November 30 - December
1, 2004.

Michael J. Brown, Sr., Harbor's President and Chief Executive Officer, is
scheduled to make a presentation at 8:50 a.m. (EST) on Wednesday, December 1 at
the conference.  Mr. Brown's presentation will be available for viewing via
webcast at http://www.wallstreetwebcasting.com/webcast/fbr7/harb . The
presentation slides will also be available on Harbor's website located at
http://www.harborfederal.com/ .

Harbor Federal is headquartered in Fort Pierce, Florida and has 37 locations in
a seven-county area of East Central Florida. Harbor Florida Bancshares, Inc.
common stock trades on the Nasdaq National Market under the symbol HARB. 

http://www.wallstreetwebcasting.com/webcast/fbr7/harbDATASOURCE: Harbor Florida
Bancshares, Inc.



CONTACT:  Michael J. Brown, Sr., President, [phone], or Mike

Callahan, CFO, [phone], or Toni Santiuste, Investor Relations,

[phone], all of Harbor Florida Bancshares, Inc.



Web site:  http://www.harborfederal.com/ 

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