Exhibit 99

     Commercial Federal Bank Appoints Jane E. Miller to Board of Directors

       OMAHA, Neb.--(BUSINESS WIRE)--Aug. 22, 2003--Commercial Federal
Bank announced today the appointment of Jane E. Miller, chief
operating officer and executive vice president of The Gallup
Organization, to its board of directors.
       "We are extremely pleased to have Jane join the Bank's board of
directors," said William A. Fitzgerald, chairman and chief executive
officer. "Jane brings an exceptionally strong background in
organizational development and performance management. We are excited
about the opportunity to benefit from her experience and counsel."
       Miller manages global operations for The Gallup Organization,
which provides management research and consulting services to many of
the world's best-known corporations and organizations. She began her
career with Gallup in 1984 and is a key member of its leadership team.
       Commercial Federal Bank is a $12.9 billion federal savings bank
that currently operates branches located in Iowa, Colorado, Nebraska,
Kansas, Oklahoma, Missouri, and Arizona. Commercial Federal operations
include consumer and commercial banking, mortgage banking services
including mortgage origination and servicing, commercial and
industrial lending, small business banking, construction lending, cash
management, insurance and investment services, and Internet banking.
For additional information, please visit our Web site at
www.comfedbank.com.

    CONTACT: Commercial Federal Bank, Omaha
             Investor Relations:
             John J. Griffith, 402-514-5336