Streamwaters in northern Florida have large concentrations of natural organic matter (NOM), and commonly flow directly into the ground water system through karst features, such as sinkholes. In this study NOM from northern Florida stream and ground waters was fractionated, the fractions characterized by infrared (IR) and nuclear magnetic resonance (NMR), and then chlorinated to investigate their disinfection by-product (DBP) formation potential (FP). As the NOM character changed (as quantified by changes in NOM distribution in various fractions, such as hydrophilic acids or hydrophobic neutrals) due to migration through the aquifer, the total organic halide (TOX)-FP and trihalomethane (THM)-FP yield of each of these fractions varied also. In surface waters, the greatest DBP yields were produced by the colloid fraction. In ground waters, DBP yield of the hydrophobic acid fraction (the greatest in terms of mass) decreased during infiltration.