FFLC Bancorp, Inc., Announces Attendance at Investor Conference in New York City

FFLC Bancorp, Inc., Announces Attendance at Investor Conference
in New York City 


LEESBURG, Fla., Oct. 26  /PRNewswire-FirstCall/ -- FFLC Bancorp, Inc.
(NASDAQ:FFLC), the holding company for First Federal Savings Bank of Lake
County, today announced that it will attend Ryan Beck's Annual Financial
Institutions Investor Conference in New York City on October 27, 2004.

Stephen T. Kurtz, FFLC's President and Chief Executive Officer, will
participate in a panel discussion on community bank strategies at the
conference.  Paul S. Allen, one of First Federal Savings Bank's Senior Vice
Presidents, will also attend the Conference to represent the Company.

The Company's 2003 and 2004 year-to-date performance will be discussed along
with the Company's strategic operating objectives.  The written presentation is
currently available on the Company's website, http://www.1stfederal.com/ (FFLC
Bancorp section), and will remain available through January 31, 2005.

First Federal Savings Bank of Lake County conducts business in Lake, Sumter,
Citrus and Marion Counties, Florida and is the largest independent bank
headquartered in the Orlando metropolitan area.  First Federal provides a
comprehensive offering of banking services and products through a network of
sixteen branch offices.

The stock of FFLC Bancorp, Inc. is quoted on the Nasdaq National Market System
under the symbol "FFLC."  First Federal's web site is located at
http://www.1stfederal.com/ .  FFLC Bancorp, Inc.'s SEC filings, press releases
and other supplemental information are available on the web site, in the "FFLC
Bancorp" section.

"Safe Harbor" Statement under the Private Securities Litigation Reform Act of
1995:

Statements in this Press Release and the presentation, relating to plans,
strategies, economic performance and trends, projections of results of specific
activities or investments and other statements that are not descriptions of
historical facts may be forward-looking statements within the meaning of the
Private Securities Litigation Reform Act of 1995, Section 27A of the Securities
Act of 1933 and Section 21E of the Securities Exchange Act of 1934.
Forward-looking information is inherently subject to risks and uncertainties,
and actual results could differ materially from those currently anticipated due
to a number of factors, which include, but are not limited to, risk factors
discussed in the Company's Annual Report on Form 10-K and in other documents
filed by the Company with the Securities and Exchange Commission from time to
time. Forward-looking statements may be identified by terms such as "may,"
"will," "should," "could," "expects," "plans," "intends," "anticipates,"
"believes," "estimates," "predicts," "forecasts," "potential" or "continue" or
similar terms or the negative of these terms. Although we believe that the
expectations reflected in the forward-looking statements are reasonable, we
cannot guarantee future results, levels of activity, performance or
achievements. The Company has no obligation to update these forward-looking
statements. 

DATASOURCE: FFLC Bancorp, Inc.



CONTACT:  Stephen T. Kurtz, President & CEO, FFLC Bancorp, Inc.,

[phone], or fax, [phone]



Web site:  http://www.1stfederal.com/ 

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