-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 Jfvxv0pMXwDi/Ki8YKQFmymRCI6UU42fsyz3C5FvDzO8LtACOZRlCPHwlqUbCrAs
 th9vgWsTVZRr/FiwJPAjDg==

<SEC-DOCUMENT>0000872835-04-000008.txt : 20040112
<SEC-HEADER>0000872835-04-000008.hdr.sgml : 20040112
<ACCEPTANCE-DATETIME>20040112160614
ACCESSION NUMBER:		0000872835-04-000008
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20040112
FILED AS OF DATE:		20040112

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			ESB FINANCIAL CORP
		CENTRAL INDEX KEY:			0000872835
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				251659846
		STATE OF INCORPORATION:			PA
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		600 LAWRENCE AVE
		CITY:			ELLWOOD CITY
		STATE:			PA
		ZIP:			16117
		BUSINESS PHONE:		7247585584

	MAIL ADDRESS:	
		STREET 1:		600 LAWRENCE AVENUE
		CITY:			ELLWOOD CITY
		STATE:			PA
		ZIP:			16117

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	PENNFIRST BANCORP INC
		DATE OF NAME CHANGE:	19960126

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	PENNWEST BANCORP INC
		DATE OF NAME CHANGE:	19910328

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			ZUSCHLAG CHARLOTTE A
		CENTRAL INDEX KEY:			0001180096

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-19345
		FILM NUMBER:		04520830

	BUSINESS ADDRESS:	
		STREET 1:		C/O ESB BANK
		STREET 2:		600 LAWRENCE AVE
		CITY:			ELLWOOD CITY
		STATE:			PA
		ZIP:			16117
		BUSINESS PHONE:		7247585584

	MAIL ADDRESS:	
		STREET 1:		C/O ESB BANK
		STREET 2:		600 LAWRENCE AVE
		CITY:			ELLWOOD CITY
		STATE:			PA
		ZIP:			16117
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>edgar.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
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<ownershipDocument>
    <schemaVersion>X0201</schemaVersion>

    <documentType>4</documentType><periodOfReport>2004-01-12</periodOfReport>
    <issuer>
        <issuerCik>0000872835</issuerCik>
        <issuerName>ESB FINANCIAL CORP</issuerName>
        <issuerTradingSymbol>ESBF</issuerTradingSymbol></issuer><reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001180096</rptOwnerCik>
            <rptOwnerName>ZUSCHLAG CHARLOTTE A</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>509 SALEM HEIGHTS DRIVE</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>GIBSONIA</rptOwnerCity>
            <rptOwnerState>PA</rptOwnerState>
            <rptOwnerZipCode>15044</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
            <reportingOwnerRelationship>
<isDirector>1</isDirector><isOfficer>1</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther><officerTitle>President and Chief Executive </officerTitle></reportingOwnerRelationship></reportingOwner><nonDerivativeTable><nonDerivativeHolding><securityTitle><value>Common Stock</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>464.777</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>Custodian</value></natureOfOwnership></ownershipNature></nonDerivativeHolding><nonDerivativeHolding><securityTitle><value>Common Stock</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>473.8138</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>Custodian</value></natureOfOwnership></owners
hipNature></nonDerivativeHolding><nonDerivativeHolding><securityTitle><value>Common Stock</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>469.9092</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>Custodian</value></natureOfOwnership></ownershipNature></nonDerivativeHolding><nonDerivativeHolding><securityTitle><value>Common Stock</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>469.9092</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>Custodian</value></natureOfOwnership></ownershipNature></nonDerivativeHolding><nonDerivativeHolding><securityTitle><value>Common Stock</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>469.9092</value></shares
OwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>Custodian</value></natureOfOwnership></ownershipNature></nonDerivativeHolding><nonDerivativeHolding><securityTitle><value>Common Stock</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>217.0123</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>Custodian</value></natureOfOwnership></ownershipNature></nonDerivativeHolding><nonDerivativeHolding><securityTitle><value>Common Stock</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>214.1433</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>Custodian</value></natureOfOwnership
></ownershipNature></nonDerivativeHolding><nonDerivativeHolding><securityTitle><value>Common Stock</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>224371</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value/></natureOfOwnership></ownershipNature></nonDerivativeHolding><nonDerivativeHolding><securityTitle><value>Common Stock</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>7320</value><footnoteId id="F1"/></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value/></natureOfOwnership></ownershipNature></nonDerivativeHolding><nonDerivativeHolding><securityTitle><value>Common Stock</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>2953.8432</value><footnoteId id=
"F2"/></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>401(k) Plan</value></natureOfOwnership></ownershipNature></nonDerivativeHolding><nonDerivativeHolding><securityTitle><value>Common Stock</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>47784.2798</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>ESOP</value></natureOfOwnership></ownershipNature></nonDerivativeHolding></nonDerivativeTable><derivativeTable><derivativeHolding><securityTitle><value>Stock Options
(Right to Buy)</value></securityTitle><conversionOrExercisePrice><value>5.68</value></conversionOrExercisePrice><exerciseDate><value>1995-06-22</value></exerciseDate><expirationDate><value>2005-06-22</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>11496</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>11496</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value/></natureOfOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Stock Options
(Right to Buy)</value></securityTitle><conversionOrExercisePrice><value>5.65</value></conversionOrExercisePrice><exerciseDate><value>1996-07-01</value></exerciseDate><expirationDate><value>2006-07-01</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>18376</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>18376</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value/></natureOfOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Stock Options
(Right to Buy)</value></securityTitle><conversionOrExercisePrice><value>6.14</value></conversionOrExercisePrice><exerciseDate><value>1997-06-17</value></exerciseDate><expirationDate><value>2007-06-17</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>18398</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>18398</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value/></natureOfOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Stock Options
(Right to Buy)</value></securityTitle><conversionOrExercisePrice><value>9.47</value></conversionOrExercisePrice><exerciseDate><value>1998-06-16</value></exerciseDate><expirationDate><value>2008-06-16</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>16726</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>16726</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value/></natureOfOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Stock Options
(Right to Buy)</value></securityTitle><conversionOrExercisePrice><value>7.37</value></conversionOrExercisePrice><exerciseDate><value>1999-06-15</value></exerciseDate><expirationDate><value>2009-06-16</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>11024</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>11024</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value/></natureOfOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Stock Option </value></securityTitle><conversionOrExercisePrice><value>7.37</value></conversionOrExercisePrice><exerciseDate><value>1999-06-15</value></exerciseDate><expirationDate><value>2009-06-15</value></expirationDate><underlyingSecurity><underlyingSec
urityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>14682</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>14682</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value/></natureOfOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Stock Option (Right to Buy)</value></securityTitle><conversionOrExercisePrice><value>6.01</value></conversionOrExercisePrice><exerciseDate><value>2000-06-12</value></exerciseDate><expirationDate><value>2010-06-12</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>9248</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>9248</value></sharesOwn
edFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value/></natureOfOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Stock Option </value></securityTitle><conversionOrExercisePrice><value>6.01</value></conversionOrExercisePrice><exerciseDate><value>2000-06-20</value></exerciseDate><expirationDate><value>2010-06-20</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>15130</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>15130</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value/></natureOfOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><va
lue>Stock Option </value></securityTitle><conversionOrExercisePrice><value>7.83</value></conversionOrExercisePrice><exerciseDate><value>2001-11-20</value></exerciseDate><expirationDate><value>2011-11-20</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>8246</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>8246</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value/></natureOfOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Stock Option </value></securityTitle><conversionOrExercisePrice><value>7.83</value></conversionOrExercisePrice><exerciseDate><value>2001-11-20</value></exerciseDate><expirationDate><value>2011-11-20</value></expirationDate><underlyingSecurity><underlyingSe
curityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>13352</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>13352</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value/></natureOfOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Stock Option </value></securityTitle><conversionOrExercisePrice><value>10.83</value></conversionOrExercisePrice><exerciseDate><value>2002-11-19</value></exerciseDate><expirationDate><value>2012-11-19</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>18000</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>18000</value></sharesOwnedFollowin
gTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value/></natureOfOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Stock Option</value></securityTitle><conversionOrExercisePrice><value>15.35</value></conversionOrExercisePrice><exerciseDate><value>2003-11-18</value></exerciseDate><expirationDate><value>2013-11-18</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>15000</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>15000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value/></natureOfOwnership></ownershipNature></derivativeHolding></derivativeTable><footnotes><footnote id="F1">
IRA</footnote><footnote id="F2">Between 5-1-03 and 12-31-03 the reporting person acquired 166.42616 shares of ESB common stock under the ESB Financial Corporation 401(k) Plan.</footnote></footnotes><remarks/><ownerSignature><signatureName>Charlotte A. Zuschlag</signatureName><signatureDate>2004-01-12</signatureDate></ownerSignature></ownershipDocument>

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</DOCUMENT>
</SEC-DOCUMENT>
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