UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549
FORM 13F
FORM 13F COVER PAGE
REPORT FOR THE CALENDAR YEAR OR QUARTER END: SEPTEMBER 30 1999
CHECK HERE IF AMENDMENT { }; AMENDMENT NUMBER:
THIS AMENDMENT (CHECK ONLY ONE); { } IS A RESTATEMENT
{ } ADDS NEW ENDINGS ENTRIES
INSTITUTIONAL INVENSTMENT MANAGER FILING THIS REPORT
NAME: J.P.MORGAN FLORIDA FEDERAL SAVINGS BANK
ADDRESS: 109 ROYAL PALM WAY
PALM BEACH, FL 33480
13F FILE NUMBER: 28-490
THE INSTITUTIONAL INVESTMENT MANAGER FILING THIS REPORT AND THE
PERSON BY WHOM IT IS SIGNED HEREBY REPRESENT THAT THE PERSON
SIGNING THE REPORT IS AUTHORIZED TO SUBMIT IT, THAT ALL
INFORMATION CONTAINED HERIN IS TRUE, CORRECT AND COMPLETE, AND
THAT IT IS UNDERSTOOD THAT ALL REQUIRED ITEMS, STATEMENTS,
SCHEDULES, LISTS, AND TABLES, ARE CONSIDERED INTEGRAL PARTS OF
THIS FORM.
THE PERSON SIGNING THIS REPORT ON BEHALF OF REPORTING MANAGER:
NAME: JAMES C. BERRY
TITLE: VICE PRESIDENT
PHONE: (302)634-8502
SIGNATURE, PLACE, AND DATE OF SIGNING:
JAMES C. BERRY NEW YORK, NEW YORK SEPTEMBER 30 1999
REPORT TYPE (CHECK ONLY ONE):
{ } 13F HOLDINGS REPORT.
{X} 13F NOTICE.
{ } 13F COMBINATION REPORT.
I AM SIGNING THIS REPORT AS REQUIRED BY THE SECURITIES EXCHANGE
ACT OF 1934.
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FORM 13F SUMMARY PAGE
REPORT SUMMARY:
NUMBER OF OTHER INCLUDED MANAGERS: 0
FORM 13F INFORMATION TABLE ENTRY TOTAL: 0
FORM 13F INFORMATION TABLE VALUE TOTAL: 0
LIST OF OTHER INCLUDED-MANAGERS:
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<C> <C>
FORM 13F INFORMATION TABLE SEPTEMBER 30 1999 PAGE 241
VALUE SHARES/ SH/ PUT/ INVSTMT -----VOTING AUTHORITY-----
NAME OF ISSUER -TITLE OF CLASS- --CUSIP-- (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
S REPORT SUMMARY 0 DATA RECORDS 0 00 OTHER MANAGERS ON WHOSE BEHALF REPORT IS FILED
</TABLE>
