<?xml version="1.0" encoding="utf-8"?>
<Return xmlns="http://www.irs.gov/efile" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" returnVersion="2020v4.0" xsi:schemaLocation="http://www.irs.gov/efile">
  <ReturnHeader binaryAttachmentCnt="0">
    <ReturnTs>2021-05-14T13:14:26-07:00</ReturnTs>
    <TaxPeriodEndDt>2020-12-31</TaxPeriodEndDt>
    <PreparerFirmGrp>
      <PreparerFirmEIN>521605815</PreparerFirmEIN>
      <PreparerFirmName>
        <BusinessNameLine1Txt>Robert A Tuttle Jr CPA PA</BusinessNameLine1Txt>
      </PreparerFirmName>
      <PreparerUSAddress>
        <AddressLine1Txt>6 Reservoir Circle Suite 204</AddressLine1Txt>
        <CityNm>Baltimore</CityNm>
        <StateAbbreviationCd>MD</StateAbbreviationCd>
        <ZIPCd>21208</ZIPCd>
      </PreparerUSAddress>
    </PreparerFirmGrp>
    <ReturnTypeCd>990PF</ReturnTypeCd>
    <TaxPeriodBeginDt>2020-01-01</TaxPeriodBeginDt>
    <Filer>
      <EIN>800079569</EIN>
      <BusinessName>
        <BusinessNameLine1Txt>Harbor Christian Foundation Inc</BusinessNameLine1Txt>
      </BusinessName>
      <BusinessNameControlTxt>HARB</BusinessNameControlTxt>
      <PhoneNum>4105153932</PhoneNum>
      <USAddress>
        <AddressLine1Txt>3220 Peverly Run Road</AddressLine1Txt>
        <CityNm>Abingdon</CityNm>
        <StateAbbreviationCd>MD</StateAbbreviationCd>
        <ZIPCd>21009</ZIPCd>
      </USAddress>
    </Filer>
    <BusinessOfficerGrp>
      <PersonNm>Robert Gaines</PersonNm>
      <PersonTitleTxt>President</PersonTitleTxt>
      <SignatureDt>2021-05-14</SignatureDt>
      <DiscussWithPaidPreparerInd>true</DiscussWithPaidPreparerInd>
    </BusinessOfficerGrp>
    <SigningOfficerGrp>
      <PersonFullName>
        <PersonFirstNm>Robert</PersonFirstNm>
        <PersonLastNm>Gaines</PersonLastNm>
      </PersonFullName>
      <SSN>999009999</SSN>
    </SigningOfficerGrp>
    <PreparerPersonGrp>
      <PreparerPersonNm>Robert A Tuttle Jr CPA</PreparerPersonNm>
      <PTIN>P00440061</PTIN>
      <PhoneNum>4439195075</PhoneNum>
      <SelfEmployedInd>X</SelfEmployedInd>
    </PreparerPersonGrp>
    <AdditionalFilerInformation>
      <TrustedCustomerGrp>
        <TrustedCustomerCd>2</TrustedCustomerCd>
        <AuthenticationAssuranceLevelCd>AAL1</AuthenticationAssuranceLevelCd>
        <IdentityAssuranceLevelCd>IAL1</IdentityAssuranceLevelCd>
        <FederatedAssuranceLevelCd>FAL1</FederatedAssuranceLevelCd>
      </TrustedCustomerGrp>
    </AdditionalFilerInformation>
    <TaxYr>2020</TaxYr>
    <BuildTS>2022-09-23 18:48:47Z</BuildTS>
  </ReturnHeader>
  <ReturnData documentCnt="9">
    <IRS990PF documentId="IRS990PF" referenceDocumentId="GeneralExplanation BinaryAttachment.1" softwareId="20011551" softwareVersionNum="2020v4.0">
      <Organization501c3ExemptPFInd>X</Organization501c3ExemptPFInd>
      <FMVAssetsEOYAmt>98138</FMVAssetsEOYAmt>
      <MethodOfAccountingCashInd>X</MethodOfAccountingCashInd>
      <AnalysisOfRevenueAndExpenses>
        <ScheduleBNotRequiredInd>X</ScheduleBNotRequiredInd>
        <InterestOnSavRevAndExpnssAmt>4</InterestOnSavRevAndExpnssAmt>
        <InterestOnSavNetInvstIncmAmt>4</InterestOnSavNetInvstIncmAmt>
        <DividendsRevAndExpnssAmt>1788</DividendsRevAndExpnssAmt>
        <DividendsNetInvstIncmAmt>1788</DividendsNetInvstIncmAmt>
        <NetGainSaleAstRevAndExpnssAmt>3976</NetGainSaleAstRevAndExpnssAmt>
        <GrossSalesPriceAmt>25000</GrossSalesPriceAmt>
        <CapGainNetIncmNetInvstIncmAmt>3976</CapGainNetIncmNetInvstIncmAmt>
        <TotalRevAndExpnssAmt>5768</TotalRevAndExpnssAmt>
        <TotalNetInvstIncmAmt>5768</TotalNetInvstIncmAmt>
        <AccountingFeesRevAndExpnssAmt referenceDocumentId="AccountingFeesSchedule">775</AccountingFeesRevAndExpnssAmt>
        <AccountingFeesNetInvstIncmAmt>775</AccountingFeesNetInvstIncmAmt>
        <OtherExpensesRevAndExpnssAmt referenceDocumentId="OtherExpensesSchedule AmortizationSchedule">81</OtherExpensesRevAndExpnssAmt>
        <OtherExpensesNetInvstIncmAmt>81</OtherExpensesNetInvstIncmAmt>
        <TotOprExpensesRevAndExpnssAmt>856</TotOprExpensesRevAndExpnssAmt>
        <TotOprExpensesNetInvstIncmAmt>856</TotOprExpensesNetInvstIncmAmt>
        <TotOprExpensesDsbrsChrtblAmt>0</TotOprExpensesDsbrsChrtblAmt>
        <ContriPaidRevAndExpnssAmt>22400</ContriPaidRevAndExpnssAmt>
        <ContriPaidDsbrsChrtblAmt>22400</ContriPaidDsbrsChrtblAmt>
        <TotalExpensesRevAndExpnssAmt>23256</TotalExpensesRevAndExpnssAmt>
        <TotalExpensesNetInvstIncmAmt>856</TotalExpensesNetInvstIncmAmt>
        <TotalExpensesDsbrsChrtblAmt>22400</TotalExpensesDsbrsChrtblAmt>
        <ExcessRevenueOverExpensesAmt>-17488</ExcessRevenueOverExpensesAmt>
        <NetInvestmentIncomeAmt>4912</NetInvestmentIncomeAmt>
      </AnalysisOfRevenueAndExpenses>
      <Form990PFBalanceSheetsGrp>
        <SavAndTempCashInvstBOYAmt>24512</SavAndTempCashInvstBOYAmt>
        <SavAndTempCashInvstEOYAmt>26330</SavAndTempCashInvstEOYAmt>
        <SavAndTempCashInvstEOYFMVAmt>26330</SavAndTempCashInvstEOYFMVAmt>
        <CorporateStockBOYAmt>64317</CorporateStockBOYAmt>
        <CorporateStockEOYAmt referenceDocumentId="InvestmentsCorpStockSchedule">53939</CorporateStockEOYAmt>
        <CorporateStockEOYFMVAmt>53939</CorporateStockEOYFMVAmt>
        <CorporateBondsBOYAmt>21225</CorporateBondsBOYAmt>
        <CorporateBondsEOYAmt referenceDocumentId="InvestmentsCorpBondsSchedule">17869</CorporateBondsEOYAmt>
        <CorporateBondsEOYFMVAmt>17869</CorporateBondsEOYFMVAmt>
        <TotalAssetsBOYAmt>110054</TotalAssetsBOYAmt>
        <TotalAssetsEOYAmt>98138</TotalAssetsEOYAmt>
        <TotalAssetsEOYFMVAmt>98138</TotalAssetsEOYFMVAmt>
        <TotalLiabilitiesEOYAmt>0</TotalLiabilitiesEOYAmt>
        <OrgDoesNotFollowFASB117Ind>X</OrgDoesNotFollowFASB117Ind>
        <CapitalStockBOYAmt>110054</CapitalStockBOYAmt>
        <CapitalStockEOYAmt>98138</CapitalStockEOYAmt>
        <TotNetAstOrFundBalancesBOYAmt>110054</TotNetAstOrFundBalancesBOYAmt>
        <TotNetAstOrFundBalancesEOYAmt>98138</TotNetAstOrFundBalancesEOYAmt>
        <TotalLiabilitiesNetAstBOYAmt>110054</TotalLiabilitiesNetAstBOYAmt>
        <TotalLiabilitiesNetAstEOYAmt>98138</TotalLiabilitiesNetAstEOYAmt>
      </Form990PFBalanceSheetsGrp>
      <ChgInNetAssetsFundBalancesGrp>
        <TotNetAstOrFundBalancesBOYAmt>110054</TotNetAstOrFundBalancesBOYAmt>
        <ExcessRevenueOverExpensesAmt>-17488</ExcessRevenueOverExpensesAmt>
        <OtherIncreasesAmt referenceDocumentId="OtherIncreasesSchedule">5742</OtherIncreasesAmt>
        <SubtotalAmt>98308</SubtotalAmt>
        <OtherDecreasesAmt referenceDocumentId="OtherDecreasesSchedule">170</OtherDecreasesAmt>
        <TotNetAstOrFundBalancesEOYAmt>98138</TotNetAstOrFundBalancesEOYAmt>
      </ChgInNetAssetsFundBalancesGrp>
      <CapGainsLossTxInvstIncmDetail>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>357.398 Shs American Bond Fd of America Cl F1</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2014-06-12</AcquiredDt>
          <SoldDt>2020-06-30</SoldDt>
          <GrossSalesPriceAmt>5000</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>4550</CostOrOtherBasisAmt>
          <GainOrLossAmt>450</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>450</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>88.496 Shs American Mutual Fd Cl F1</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2014-06-12</AcquiredDt>
          <SoldDt>2020-06-30</SoldDt>
          <GrossSalesPriceAmt>3500</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>3203</CostOrOtherBasisAmt>
          <GainOrLossAmt>297</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>297</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>69.204 Shs American Washington Mutual Fd Cl F1</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2013-12-23</AcquiredDt>
          <SoldDt>2020-06-30</SoldDt>
          <GrossSalesPriceAmt>3000</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>2513</CostOrOtherBasisAmt>
          <GainOrLossAmt>487</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>487</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>184.23 Shs American Growth Fd of America Fd Cl F1</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2015-12-23</AcquiredDt>
          <SoldDt>2020-06-30</SoldDt>
          <GrossSalesPriceAmt>10000</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>7844</CostOrOtherBasisAmt>
          <GainOrLossAmt>2156</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>2156</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>66.464 Shs American Growth Fd of America Fd Cl F1</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2008-07-29</AcquiredDt>
          <SoldDt>2020-06-30</SoldDt>
          <GrossSalesPriceAmt>3500</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>2914</CostOrOtherBasisAmt>
          <GainOrLossAmt>586</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>586</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapitalGainNetIncomeAmt>3976</CapitalGainNetIncomeAmt>
      </CapGainsLossTxInvstIncmDetail>
      <ExciseTaxBasedOnInvstIncmGrp>
        <InvestmentIncomeExciseTaxAmt>68</InvestmentIncomeExciseTaxAmt>
        <SubtotalAmt>68</SubtotalAmt>
        <TaxBasedOnInvestmentIncomeAmt>68</TaxBasedOnInvestmentIncomeAmt>
        <TaxDueAmt>68</TaxDueAmt>
      </ExciseTaxBasedOnInvstIncmGrp>
      <StatementsRegardingActyGrp>
        <LegislativePoliticalActyInd>false</LegislativePoliticalActyInd>
        <MoreThan100SpentInd>false</MoreThan100SpentInd>
        <Form1120POLFiledInd>false</Form1120POLFiledInd>
        <ActivitiesNotPreviouslyRptInd>false</ActivitiesNotPreviouslyRptInd>
        <ChangesToArticlesOrBylawsInd>false</ChangesToArticlesOrBylawsInd>
        <UnrelatedBusIncmOverLimitInd>false</UnrelatedBusIncmOverLimitInd>
        <OrganizationDissolvedEtcInd>false</OrganizationDissolvedEtcInd>
        <Section508eRqrSatisfiedInd>true</Section508eRqrSatisfiedInd>
        <AtLeast5000InAssetsInd>true</AtLeast5000InAssetsInd>
        <OrgReportOrRegisterStateCd>MD</OrgReportOrRegisterStateCd>
        <Form990PFFiledWithAttyGenInd referenceDocumentId="ExplanationOfNonFilingWithAGSt">false</Form990PFFiledWithAttyGenInd>
        <PrivateOperatingFoundationInd>false</PrivateOperatingFoundationInd>
        <NewSubstantialContributorsInd>false</NewSubstantialContributorsInd>
        <OwnControlledEntityInd>false</OwnControlledEntityInd>
        <DonorAdvisedFundInd>false</DonorAdvisedFundInd>
        <ComplyWithPublicInspRqrInd>true</ComplyWithPublicInspRqrInd>
        <WebsiteAddressTxt>N/A</WebsiteAddressTxt>
        <PersonsWithBooksName>
          <BusinessNameLine1Txt>Robert Gaines</BusinessNameLine1Txt>
        </PersonsWithBooksName>
        <PhoneNum>4105153932</PhoneNum>
        <LocationOfBooksUSAddress>
          <AddressLine1Txt>3220 Peverly Run Road</AddressLine1Txt>
          <CityNm>Abingdon</CityNm>
          <StateAbbreviationCd>MD</StateAbbreviationCd>
          <ZIPCd>210092752</ZIPCd>
        </LocationOfBooksUSAddress>
        <ForeignAccountsQuestionInd>false</ForeignAccountsQuestionInd>
      </StatementsRegardingActyGrp>
      <StatementsRegardingActy4720Grp>
        <SaleOrExchDisqualifiedPrsnInd>false</SaleOrExchDisqualifiedPrsnInd>
        <BrrwOrLendDisqualifiedPrsnInd>false</BrrwOrLendDisqualifiedPrsnInd>
        <FurnGoodsDisqualifiedPrsnInd>false</FurnGoodsDisqualifiedPrsnInd>
        <PayCompDisqualifiedPrsnInd>false</PayCompDisqualifiedPrsnInd>
        <TransferAstDisqualifiedPrsnInd>false</TransferAstDisqualifiedPrsnInd>
        <PaymentToGovernmentOfficialInd>false</PaymentToGovernmentOfficialInd>
        <ActsFailToQlfyAsExceptionsInd>false</ActsFailToQlfyAsExceptionsInd>
        <UncorrectedPriorActsInd>false</UncorrectedPriorActsInd>
        <UndistributedIncomePYInd>false</UndistributedIncomePYInd>
        <BusinessHoldingsInd>false</BusinessHoldingsInd>
        <JeopardyInvestmentsInd>false</JeopardyInvestmentsInd>
        <UncorrectedPYJeopardyInvstInd>false</UncorrectedPYJeopardyInvstInd>
        <InfluenceLegislationInd>false</InfluenceLegislationInd>
        <InfluenceElectionInd>false</InfluenceElectionInd>
        <GrantsToIndividualsInd>false</GrantsToIndividualsInd>
        <GrantsToOrganizationsInd>false</GrantsToOrganizationsInd>
        <NoncharitablePurposeInd>false</NoncharitablePurposeInd>
        <RcvFndsToPayPrsnlBnftCntrctInd>false</RcvFndsToPayPrsnlBnftCntrctInd>
        <PayPremiumsPrsnlBnftCntrctInd>false</PayPremiumsPrsnlBnftCntrctInd>
        <ProhibitedTaxShelterTransInd>false</ProhibitedTaxShelterTransInd>
        <SubjToTaxRmnrtnExPrchtPymtInd>false</SubjToTaxRmnrtnExPrchtPymtInd>
      </StatementsRegardingActy4720Grp>
      <OfficerDirTrstKeyEmplInfoGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>Robert N Gaines Sr</PersonNm>
          <USAddress>
            <AddressLine1Txt>c/o Harbor Christian Foundatn</AddressLine1Txt>
            <CityNm>Abingdon</CityNm>
            <StateAbbreviationCd>MD</StateAbbreviationCd>
            <ZIPCd>21009</ZIPCd>
          </USAddress>
          <TitleTxt>President</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>1.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>Erik J Moran</PersonNm>
          <USAddress>
            <AddressLine1Txt>c/o Harbor Christian Foundatn</AddressLine1Txt>
            <CityNm>Abingdon</CityNm>
            <StateAbbreviationCd>MD</StateAbbreviationCd>
            <ZIPCd>21009</ZIPCd>
          </USAddress>
          <TitleTxt>Director</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>0.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>William Abbey</PersonNm>
          <USAddress>
            <AddressLine1Txt>c/o Harbor Christian Foundatn</AddressLine1Txt>
            <CityNm>Abingdon</CityNm>
            <StateAbbreviationCd>MD</StateAbbreviationCd>
            <ZIPCd>21009</ZIPCd>
          </USAddress>
          <TitleTxt>Secretary</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>0.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>Paul Warren Pastor</PersonNm>
          <USAddress>
            <AddressLine1Txt>c/o Harbor Christian Foundatn</AddressLine1Txt>
            <CityNm>Abingdon</CityNm>
            <StateAbbreviationCd>MD</StateAbbreviationCd>
            <ZIPCd>21009</ZIPCd>
          </USAddress>
          <TitleTxt>Director</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>0.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>Thomas Schetelich</PersonNm>
          <USAddress>
            <AddressLine1Txt>c/o Harbor Christian Foundatn</AddressLine1Txt>
            <CityNm>Abingdon</CityNm>
            <StateAbbreviationCd>MD</StateAbbreviationCd>
            <ZIPCd>21009</ZIPCd>
          </USAddress>
          <TitleTxt>Director</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>0.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
        </OfficerDirTrstKeyEmplGrp>
        <CompOfHghstPdEmplOrNONETxt>NONE</CompOfHghstPdEmplOrNONETxt>
        <CompOfHghstPdCntrctOrNONETxt>NONE</CompOfHghstPdCntrctOrNONETxt>
      </OfficerDirTrstKeyEmplInfoGrp>
      <SummaryOfDirectChrtblActyGrp>
        <Description1Txt>Financial support given to Serving in Mission, a public charity.</Description1Txt>
        <Expenses1Amt>3700</Expenses1Amt>
        <Description2Txt>Financial support given to Evangelical Alliance Mission, a public charity.</Description2Txt>
        <Expenses2Amt>9000</Expenses2Amt>
        <Description3Txt>Financial support given to Wycliffe Bible Translators, a public charity.</Description3Txt>
        <Expenses3Amt>3700</Expenses3Amt>
        <Description4Txt>Financial support given to Commission to Every Nation, a public charity.</Description4Txt>
        <Expenses4Amt>3700</Expenses4Amt>
      </SummaryOfDirectChrtblActyGrp>
      <MinimumInvestmentReturnGrp>
        <AverageMonthlyFMVOfSecAmt>74863</AverageMonthlyFMVOfSecAmt>
        <AverageMonthlyCashBalancesAmt>25154</AverageMonthlyCashBalancesAmt>
        <FMVAllOtherNoncharitableAstAmt>0</FMVAllOtherNoncharitableAstAmt>
        <TotalFMVOfUnusedAssetsAmt>100017</TotalFMVOfUnusedAssetsAmt>
        <ReductionClaimedAmt>0</ReductionClaimedAmt>
        <AdjustedTotalFMVOfUnusedAstAmt>100017</AdjustedTotalFMVOfUnusedAstAmt>
        <CashDeemedCharitableAmt>1500</CashDeemedCharitableAmt>
        <NetVlNoncharitableAssetsAmt>98517</NetVlNoncharitableAssetsAmt>
        <MinimumInvestmentReturnAmt>4926</MinimumInvestmentReturnAmt>
      </MinimumInvestmentReturnGrp>
      <DistributableAmountGrp>
        <MinimumInvestmentReturnAmt>4926</MinimumInvestmentReturnAmt>
        <TaxBasedOnInvestmentIncomeAmt>68</TaxBasedOnInvestmentIncomeAmt>
        <TotalTaxAmt>68</TotalTaxAmt>
        <DistributableBeforeAdjAmt>4858</DistributableBeforeAdjAmt>
        <DistributableBeforeDedAmt>4858</DistributableBeforeDedAmt>
        <DistributableAsAdjustedAmt>4858</DistributableAsAdjustedAmt>
      </DistributableAmountGrp>
      <QualifyingDistriPartXIIGrp>
        <ExpensesAndContributionsAmt>22400</ExpensesAndContributionsAmt>
        <QualifyingDistributionsAmt>22400</QualifyingDistributionsAmt>
        <AdjustedQualifyingDistriAmt>22400</AdjustedQualifyingDistriAmt>
      </QualifyingDistriPartXIIGrp>
      <UndistributedIncomeGrp>
        <DistributableAsAdjustedAmt>4858</DistributableAsAdjustedAmt>
        <ExcessDistributionCyovYr5Amt>50814</ExcessDistributionCyovYr5Amt>
        <ExcessDistributionCyovYr4Amt>12605</ExcessDistributionCyovYr4Amt>
        <ExcessDistributionCyovYr3Amt>12961</ExcessDistributionCyovYr3Amt>
        <ExcessDistributionCyovYr2Amt>16016</ExcessDistributionCyovYr2Amt>
        <ExcessDistributionCyovYr1Amt>16824</ExcessDistributionCyovYr1Amt>
        <TotalExcessDistributionCyovAmt>109220</TotalExcessDistributionCyovAmt>
        <QualifyingDistributionsAmt>22400</QualifyingDistributionsAmt>
        <TreatedAsDistriFromCorpusAmt>0</TreatedAsDistriFromCorpusAmt>
        <AppliedToCurrentYearAmt>4858</AppliedToCurrentYearAmt>
        <RemainingDistriFromCorpusAmt>17542</RemainingDistriFromCorpusAmt>
        <TotalCorpusAmt>126762</TotalCorpusAmt>
        <UndistributedIncomeCYAmt>0</UndistributedIncomeCYAmt>
        <ExcessDistriCyovFromYr5Amt>50814</ExcessDistriCyovFromYr5Amt>
        <ExcessDistriCyovToNextYrAmt>75948</ExcessDistriCyovToNextYrAmt>
        <ExcessFromYear4Amt>12605</ExcessFromYear4Amt>
        <ExcessFromYear3Amt>12961</ExcessFromYear3Amt>
        <ExcessFromYear2Amt>16016</ExcessFromYear2Amt>
        <ExcessFromYear1Amt>16824</ExcessFromYear1Amt>
        <ExcessFromCurrentYearAmt>17542</ExcessFromCurrentYearAmt>
      </UndistributedIncomeGrp>
      <SupplementaryInformationGrp>
        <OnlyContriToPreselectedInd>X</OnlyContriToPreselectedInd>
        <ApplicationSubmissionInfoGrp>
          <RecipientPersonNm>Robert Gaines</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>3220 Peverly Run Rd</AddressLine1Txt>
            <CityNm>Abingdon</CityNm>
            <StateAbbreviationCd>MD</StateAbbreviationCd>
            <ZIPCd>21009</ZIPCd>
          </RecipientUSAddress>
          <RecipientPhoneNum>4105153932</RecipientPhoneNum>
          <FormAndInfoAndMaterialsTxt>See Attached Preprinted Request Form</FormAndInfoAndMaterialsTxt>
          <RestrictionsOnAwardsTxt>Award limit is based on the Foundation's internal annual budget. The Award applicant must use the funds received for a purpose in line with the Foundation's stated mission.</RestrictionsOnAwardsTxt>
        </ApplicationSubmissionInfoGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>Serving In Mission</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>POB 7900</AddressLine1Txt>
            <CityNm>Charlotte</CityNm>
            <StateAbbreviationCd>NC</StateAbbreviationCd>
            <ZIPCd>28241</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>None</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>Exempt</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>To support the spreading of the Gospel of Jesus Christ by supporting this public charity.</GrantOrContributionPurposeTxt>
          <Amt>3700</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>Evangelical Alliance Mission</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>POB 969</AddressLine1Txt>
            <CityNm>Wheaton</CityNm>
            <StateAbbreviationCd>IL</StateAbbreviationCd>
            <ZIPCd>60189</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>None</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>Exempt</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>To support the spreading of the Gospel of Jesus Christ by supporting this public charity.</GrantOrContributionPurposeTxt>
          <Amt>9000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>Wycliffe Bible Translators</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>POB 628200</AddressLine1Txt>
            <CityNm>Orlando</CityNm>
            <StateAbbreviationCd>FL</StateAbbreviationCd>
            <ZIPCd>32862</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>None</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>Exempt</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>To support the spreading of the Gospel of Jesus Christ by supporting this public charity.</GrantOrContributionPurposeTxt>
          <Amt>3700</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>Gospel Mission South America</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>1401 SW 21st Avenue</AddressLine1Txt>
            <CityNm>Fort Lauderdale</CityNm>
            <StateAbbreviationCd>FL</StateAbbreviationCd>
            <ZIPCd>33312</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>None</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>Exempt</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>To support the spreading of the Gospel of Jesus Christ by supporting this public charity.</GrantOrContributionPurposeTxt>
          <Amt>2300</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>Commission to Every Nation</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>PO Box 291307</AddressLine1Txt>
            <CityNm>Kerrville</CityNm>
            <StateAbbreviationCd>TX</StateAbbreviationCd>
            <ZIPCd>78029</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>None</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>Exempt</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>To support the spreading of the Gospel of Jesus Christ by supporting this public charity.</GrantOrContributionPurposeTxt>
          <Amt>3700</Amt>
        </GrantOrContributionPdDurYrGrp>
        <TotalGrantOrContriPdDurYrAmt>22400</TotalGrantOrContriPdDurYrAmt>
      </SupplementaryInformationGrp>
      <AnalysisIncomeProducingActyGrp>
        <IntOnSavAndTempCashInvstGrp>
          <ExclusionCd>14</ExclusionCd>
          <ExclusionAmt>4</ExclusionAmt>
        </IntOnSavAndTempCashInvstGrp>
        <DivAndIntFromSecPartVIIGrp>
          <ExclusionCd>14</ExclusionCd>
          <ExclusionAmt>1788</ExclusionAmt>
        </DivAndIntFromSecPartVIIGrp>
        <GainSalesAstOthThanInvntryGrp>
          <ExclusionCd>18</ExclusionCd>
          <ExclusionAmt>3976</ExclusionAmt>
        </GainSalesAstOthThanInvntryGrp>
        <SubtotalsIncmProducingActyGrp>
          <ExclusionAmt>5768</ExclusionAmt>
        </SubtotalsIncmProducingActyGrp>
        <TotalIncomeProducingActyAmt>5768</TotalIncomeProducingActyAmt>
      </AnalysisIncomeProducingActyGrp>
      <TrnsfrTransRlnNonchrtblEOGrp>
        <TrnsfrOfCashToNonchrtblEOInd>false</TrnsfrOfCashToNonchrtblEOInd>
        <TrnsfrOtherAssetNonchrtblEOInd>false</TrnsfrOtherAssetNonchrtblEOInd>
        <SalesOrExchangesOfAssetsInd>false</SalesOrExchangesOfAssetsInd>
        <PurchaseOfAssetsNonchrtblEOInd>false</PurchaseOfAssetsNonchrtblEOInd>
        <RentalOfFacilitiesOthAssetsInd>false</RentalOfFacilitiesOthAssetsInd>
        <ReimbursementArrangementsInd>false</ReimbursementArrangementsInd>
        <LoansOrLoanGuaranteesInd>false</LoansOrLoanGuaranteesInd>
        <PerformanceOfServicesEtcInd>false</PerformanceOfServicesEtcInd>
        <SharingOfFacilitiesEtcInd>false</SharingOfFacilitiesEtcInd>
        <RelationshipsNonchrtblEOInd>false</RelationshipsNonchrtblEOInd>
      </TrnsfrTransRlnNonchrtblEOGrp>
    </IRS990PF>
    <AccountingFeesSchedule documentId="AccountingFeesSchedule" softwareId="20011551" softwareVersionNum="2020v4.0">
      <AccountingFeesDetail>
        <CategoryTxt>990-PF Return Preparation</CategoryTxt>
        <Amt>775</Amt>
        <NetInvestmentIncomeAmt>775</NetInvestmentIncomeAmt>
        <AdjustedNetIncomeAmt>0</AdjustedNetIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
      </AccountingFeesDetail>
    </AccountingFeesSchedule>
    <ExplnOfNonFilingWithAGStmt documentId="ExplanationOfNonFilingWithAGSt" softwareId="20011551" softwareVersionNum="2020v4.0">
      <ExplanationTxt>Incorporated in Maryland. No State reporting required since foundation does not solicit contributions.</ExplanationTxt>
    </ExplnOfNonFilingWithAGStmt>
    <GeneralExplanationAttachment documentId="GeneralExplanation" softwareId="20011551" softwareVersionNum="2020v4.0">
      <GeneralExplanationGrp>
        <FormAndLineReferenceDesc>General Explanation Supplemental Information for Form 990-PF</FormAndLineReferenceDesc>
        <MediumExplanationTxt>Harbor Christian Foundation, Inc.Exempt PurposeHarbor Christian Foundation's mission (primary exempt purpose) is to promote the Gospel of Jesus Christ. To accomplish this mission, the Foundation funds (makes donations to) other exempt public charities (under Section 501(c)(3)) which have as their purpose to spread the Gospel of Jesus Christ. Specifically, the Foundation is committed to spreading the Gospel of Jesus Christ by supporting Christian missions, Christian ministry, Christian education and Christian aid.</MediumExplanationTxt>
      </GeneralExplanationGrp>
    </GeneralExplanationAttachment>
    <InvestmentsCorpBondsSchedule documentId="InvestmentsCorpBondsSchedule" softwareId="20011551" softwareVersionNum="2020v4.0">
      <InvestmentsCorporateBondsGrp>
        <BondNm>American Bond Fund of America Fd Cl F1</BondNm>
        <EOYBookValueAmt>7036</EOYBookValueAmt>
        <EOYFMVAmt>7036</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>American Intermediate Bd Fd of AmerCl F1</BondNm>
        <EOYBookValueAmt>10833</EOYBookValueAmt>
        <EOYFMVAmt>10833</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
    </InvestmentsCorpBondsSchedule>
    <InvestmentsCorpStockSchedule documentId="InvestmentsCorpStockSchedule" softwareId="20011551" softwareVersionNum="2020v4.0">
      <InvestmentsCorporateStockGrp>
        <StockNm>American Washington Mutual Invest Cl F1</StockNm>
        <EOYBookValueAmt>10773</EOYBookValueAmt>
        <EOYFMVAmt>10773</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>American Growth Fund of America Cl F1</StockNm>
        <EOYBookValueAmt>10848</EOYBookValueAmt>
        <EOYFMVAmt>10848</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>American Smallcap World Fund Cl F1</StockNm>
        <EOYBookValueAmt>14773</EOYBookValueAmt>
        <EOYFMVAmt>14773</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>American Europacific Growth Fd Cl F1</StockNm>
        <EOYBookValueAmt>8847</EOYBookValueAmt>
        <EOYFMVAmt>8847</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>American Mutual Fund Cl F1</StockNm>
        <EOYBookValueAmt>8698</EOYBookValueAmt>
        <EOYFMVAmt>8698</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
    </InvestmentsCorpStockSchedule>
    <OtherDecreasesSchedule documentId="OtherDecreasesSchedule" softwareId="20011551" softwareVersionNum="2020v4.0">
      <OtherDecreasesDetail>
        <Desc>Federal Income Tax Paid</Desc>
        <Amt>170</Amt>
      </OtherDecreasesDetail>
    </OtherDecreasesSchedule>
    <OtherExpensesSchedule documentId="OtherExpensesSchedule" softwareId="20011551" softwareVersionNum="2020v4.0">
      <OtherExpensesScheduleGrp>
        <Desc>Merrill Lynch Fee</Desc>
        <RevenueAndExpensesPerBooksAmt>81</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>81</NetInvestmentIncomeAmt>
      </OtherExpensesScheduleGrp>
    </OtherExpensesSchedule>
    <OtherIncreasesSchedule documentId="OtherIncreasesSchedule" softwareId="20011551" softwareVersionNum="2020v4.0">
      <OtherIncreasesDetail>
        <Desc>Change in Unrealized Appreciation of Investments</Desc>
        <Amt>5738</Amt>
      </OtherIncreasesDetail>
      <OtherIncreasesDetail>
        <Desc>Foreign Tax net of rounding</Desc>
        <Amt>4</Amt>
      </OtherIncreasesDetail>
    </OtherIncreasesSchedule>
  </ReturnData>
</Return>
