HARB Harbor Florida Bancshares

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 (800) 441-0022. 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, +1-772-460-7000; or Mike Callahan, CFO, +1-772-460-7009; or Toni Santiuste, Investor Relations, +1-772-460-7002, all of Harbor Florida Bancshares, Inc. Web site: http://www.harborfederal.com/

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