Harbor Florida Bancshares, Inc. to Present at Sandler O'Neill's Financial Services Conference in Naples, FL

FORT PIERCE, Fla., Nov. 16  /PRNewswire-FirstCall/ -- Harbor Florida Bancshares, Inc. (NASDAQ:HARB), the holding company for Harbor Federal Savings Bank, announced today that it would be participating in Sandler O'Neill & Partners' Financial Services Conference in Naples, FL, November 16-18, 2005.

Michael J. Brown, Sr., Harbor's President and Chief Executive Officer, will be presenting at 7:10 a.m. (EST) on November 17th.  The webcast of the conference can be accessed via http://www.sandleroneill.com/ .  In addition, the presentation will be available via audio line at [phone] (no passcode is required). The presentation slides will be available on Harbor's website at http://www.harborfederal.com/shareholders/invest_pres.html .

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.sandleroneill.com/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/

http://www.sandleroneill.com/

http://www.harborfederal.com/shareholders/invest_pres.html 

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