HARB Harbor Florida Bancshares

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 (706) 645-9215, 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, +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/ http://www.harborfederal.com/shareholders/invest_pres.html

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