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 APRIL 28, 2003
                          -----------------------------
                        (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 7.  Financial Statements and Exhibits.

         (c)      Exhibits

                  Exhibit No.            Description
                  -----------            -----------
                  99                     Press  Release dated April 28, 2003 for
                                         CNB Florida Bancshares, Inc. 2003 First
                                         Quarter Results

Item 9.  Regulation FD Disclosure.

     The following information is being furnished under this "Item 9. Regulation
FD Disclosure" is intended to be furnished under "Item 12. Results of Operations
and Financial Condition."

     On April 28, 2003 CNB Florida  Bancshares,  Inc. (the "Company")  announced
financial  results for the first  quarter  ended March 31,  2003.  A copy of the
press release announcing the Company's results for the first quarter ended March
31, 2003 is attached hereto as Exhibit 99.



                                    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: April 28, 2003                            By: /s/ G. Thomas Frankland
                                                ---------------------------
                                                (Signature)

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