U.S. SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549




                                    FORM 8-K




                                 CURRENT REPORT


                         PURSUANT TO SECTION 13 or 15(d)
                     OF THE SECURITIES EXCHANGE ACT OF 1934


                         DATE OF REPORT OCTOBER 23, 2002
                         -------------------------------
                        (Date of earliest event reported)


                          CNB FLORIDA BANCSHARES, INC.
                          ----------------------------
             (Exact Name of Registrant as Specified in Its Charter)


                                     FLORIDA
                                     -------
                 (State or other jurisdiction of incorporation)

                 0-25988                                       59-2958616
---------------------------------                     --------------------------
(Commission File Number)                                     (IRS Employer
                                                          Identification No.)

9715 Gate Parkway North
Jacksonville, Florida                                             32246
---------------------------------                     --------------------------
(Address of principal                                           (Zip Code)
 executive offices)


Registrant's telephone number, including area code: (904) 997-8484







Item 5.  Other Information.

     On October 23, 2002 CNB Florida Bancshares,  Inc. (the "Company") announced
financial  results for the third quarter ended September 30, 2002. A copy of the
press  release  announcing  the  Company's  results for the third  quarter ended
September 30, 2002 is attached hereto as Exhibit 99.


Item 7.  Financial Statements and Exhibits.

         (c)   Exhibits

               Exhibit No.  Description
               -----------  -----------
               99           Press Release dated October 23, 2002 for CNB Florida
                            Bancshares, Inc. 2002 Third Quarter Results


                                    SIGNATURE

     Pursuant to the  requirements  of the Securities  Exchange Act of 1934, the
Registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned hereunto duly authorized.

                                                   CNB FLORIDA BANCSHARES, INC.
                                                  -----------------------------

                                                  (Registrant)

Date: October 23, 2002                            By: /s/ G. Thomas Frankland
                                                  -----------------------------
                                                  (Signature)

                                                  G. Thomas Frankland
                                                  Executive Vice President and
                                                  Chief Financial Officer
                                                  (Principal Financial Officer)

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