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., July 23  /PRNewswire-FirstCall/ -- FFLC Bancorp, Inc.
(NASDAQ:FFLC), the holding company for First Federal Savings Bank of Lake
County, today announced that it will join over 85 other community banks
participating in the 2004 Keefe, Bruyette & Woods 5th Annual Community Bank
Investor Conference in New York on July 27th, 28th and 29th. The Conference
will be webcast on the KBW website, http://www.kbw.com/.

Stephen T. Kurtz, FFLC's President and Chief Executive Officer, is scheduled to
make the Company's financial presentation on July 28, 2004 at 9:50 am. Paul K.
Mueller, FFLC's Executive Vice President and Chief Financial Officer and Paul
S. Allen, one of First Federal Savings Bank's Senior Vice Presidents, will also
attend the Conference to represent the Company.

The presentation will focus on the Company's 2003 and 2004 year-to-date
performance, and will also address 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 October 31, 2004.

First Federal Savings Bank of Lake County conducts business in Lake, Sumter,
Citrus and Marion Counties, Florida, 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.

  FFLC Bancorp, Inc.
  Holding Company for First Federal Savings Bank
  P.O. Box 490420  Leesburg, Florida  34749-0420
  Voice [phone]  -  Fax [phone]


DATASOURCE: FFLC Bancorp, Inc.



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

[phone] or fax [phone]



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

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