Harbor Florida Bancshares, Inc. to Present at Ryan Beck's Financial Institutions Investor Conference

Harbor Florida Bancshares, Inc. to Present at Ryan Beck's
Financial Institutions Investor Conference 


FORT PIERCE, Fla., Oct. 22  /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 Ryan Beck Financial
Institutions Investor Conference in New York City, October 27, 2004.

Michael J. Brown, Sr., Harbor's President and Chief Executive Officer, is
scheduled to make a presentation at 10:45 a.m. (EDT).  Accompanying President
Brown will be David C. Hankle, Senior Vice President of Commercial
Lending/Credit Administration, and Michael J. Brown, Jr., Senior Vice President
of Retail Banking.  The Conference will be accessible via a live conference
line at [phone]. The presentation slides will be available on Harbor's
website, http://www.harborfederal.com/ , in the Shareholder Information link.

Harbor Federal is headquartered in Fort Pierce, Florida and has 36 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. 

DATASOURCE: 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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