Harbor Florida Bancshares, Inc. to Present at Friedman, Billings, Ramsey 2005 Investor Conference

FORT PIERCE, Fla., Nov. 28  /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 & Co., Inc. Annual Investor Conference in New York City, November 28-30, 2005.

Michael J. Brown, Sr., Harbor's President and Chief Executive Officer, and J. Hal Roberts, Executive Vice President and Chief Operating Officer, are scheduled to make a presentation at 10:45 a.m. (EST) on Wednesday, November 30th at the conference.  Their presentation will be available for viewing via webcast at http://www.fbr.com/investor05 .  The presentation slides will also be available on Harbor's website located at http://www.harborfederal.com/ under the Shareholder Information link.

Harbor Federal is headquartered in Fort Pierce, Florida and has 40 locations in an eight-county area of East Central Florida. Harbor Florida Bancshares, Inc. common stock trades on the Nasdaq National Market under the symbol HARB. 

http://www.fbr.com/investor05DATASOURCE: 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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