<TABLE> <S> <C>
<ARTICLE> 9
<CIK> 0001029407
<NAME> "Harbor Florida Bancshares, Inc."
<MULTIPLIER> 1000
<CURRENCY> US $
<S> <C>
<PERIOD-TYPE> 3-mos
<FISCAL-YEAR-END> SEP-30-2000
<PERIOD-START> JUL-01-2000
<PERIOD-END> SEP-30-2000
<EXCHANGE-RATE> 1
<CASH> 29085
<INT-BEARING-DEPOSITS> 729
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 85767
<INVESTMENTS-CARRYING> 165259
<INVESTMENTS-MARKET> 162053
<LOANS> 1251669
<ALLOWANCE> 12729
<TOTAL-ASSETS> 1582695
<DEPOSITS> 1098537
<SHORT-TERM> 18000
<LIABILITIES-OTHER> 26683
<LONG-TERM> 220091
0
0
<COMMON> 3114
<OTHER-SE> 216270
<TOTAL-LIABILITIES-AND-EQUITY> 1582695
<INTEREST-LOAN> 25453
<INTEREST-INVEST> 4184
<INTEREST-OTHER> 17
<INTEREST-TOTAL> 29654
<INTEREST-DEPOSIT> 11700
<INTEREST-EXPENSE> 15125
<INTEREST-INCOME-NET> 14529
<LOAN-LOSSES> 210
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 7341
<INCOME-PRETAX> 9359
<INCOME-PRE-EXTRAORDINARY> 9359
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 5727
<EPS-BASIC> 0.24
<EPS-DILUTED> 0.24
<YIELD-ACTUAL> 3.88
<LOANS-NON> 2766
<LOANS-PAST> 0
<LOANS-TROUBLED> 276
<LOANS-PROBLEM> 1814
<ALLOWANCE-OPEN> 12544
<CHARGE-OFFS> 97
<RECOVERIES> 72
<ALLOWANCE-CLOSE> 12729
<ALLOWANCE-DOMESTIC> 12729
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>