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

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


FORT PIERCE, Fla., Nov. 8 /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 Palm Beach Gardens, FL, November 10-12, 2004.

Michael J. Brown, Sr., Harbor's President and Chief Executive Officer, will
present during the Southeast Banking Roundtable at 9:45 a.m. (EST) on November
11th.  The webcast of the conference can be accessed via
http://www.sandleroneill.com/ .  In addition, the conference will be available
via audio line at [phone], referencing "Sandler O'Neill Conference" and
then requesting Session 1. 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.harborfederal.com/shareholders/invest_pres.html 

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