<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> MAR-31-2000
<PERIOD-END> JUN-30-2000
<EXCHANGE-RATE> 1
<CASH> 33800
<INT-BEARING-DEPOSITS> 821
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 74539
<INVESTMENTS-CARRYING> 172246
<INVESTMENTS-MARKET> 166545
<LOANS> 1204200
<ALLOWANCE> 12544
<TOTAL-ASSETS> 1544338
<DEPOSITS> 1068624
<SHORT-TERM> 14000
<LIABILITIES-OTHER> 20666
<LONG-TERM> 225000
0
0
<COMMON> 3113
<OTHER-SE> 212935
<TOTAL-LIABILITIES-AND-EQUITY> 1544338
<INTEREST-LOAN> 24130
<INTEREST-INVEST> 4288
<INTEREST-OTHER> 19
<INTEREST-TOTAL> 28437
<INTEREST-DEPOSIT> 10582
<INTEREST-EXPENSE> 13883
<INTEREST-INCOME-NET> 14554
<LOAN-LOSSES> 244
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 7089
<INCOME-PRETAX> 9201
<INCOME-PRE-EXTRAORDINARY> 9201
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 5661
<EPS-BASIC> 0.24
<EPS-DILUTED> 0.23
<YIELD-ACTUAL> 3.97
<LOANS-NON> 2554
<LOANS-PAST> 0
<LOANS-TROUBLED> 262
<LOANS-PROBLEM> 2504
<ALLOWANCE-OPEN> 12293
<CHARGE-OFFS> 12
<RECOVERIES> 19
<ALLOWANCE-CLOSE> 12544
<ALLOWANCE-DOMESTIC> 12544
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>