HARB Harbor Florida Bancshares

Harbor Florida Bancshares, Inc. to Present at Friedman, Billings, Ramsey 11th Annual Investor Conference FORT PIERCE, Fla., Nov. 23 /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 Friedman, Billings, Ramsey 11th Annual Investor Conference in New York City, November 30 - December 1, 2004. Michael J. Brown, Sr., Harbor's President and Chief Executive Officer, is scheduled to make a presentation at 8:50 a.m. (EST) on Wednesday, December 1 at the conference. Mr. Brown's presentation will be available for viewing via webcast at http://www.wallstreetwebcasting.com/webcast/fbr7/harb . The presentation slides will also be available on Harbor's website located at http://www.harborfederal.com/ . 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.wallstreetwebcasting.com/webcast/fbr7/harbDATASOURCE: 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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