<ARTICLE> 9 <CIK> 0000912738 <NAME> FFLC Bancorp, Inc. <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> MAR-31-1996 <CASH> 4,186 <INT-BEARING-DEPOSITS> 12,051 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 43,174 <INVESTMENTS-CARRYING> 70,211 <INVESTMENTS-MARKET> 70,461 <LOANS> 192,221 <ALLOWANCE> (988) <TOTAL-ASSETS> 330,514 <DEPOSITS> 271,028 <SHORT-TERM> 150 <LIABILITIES-OTHER> 3,240 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 28 <OTHER-SE> 56,068 <TOTAL-LIABILITIES-AND-EQUITY> 330,514 <INTEREST-LOAN> 3,941 <INTEREST-INVEST> 2,005 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 5,946 <INTEREST-DEPOSIT> 3,213 <INTEREST-EXPENSE> 3,215 <INTEREST-INCOME-NET> 2,731 <LOAN-LOSSES> 14 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,563 <INCOME-PRETAX> 1,336 <INCOME-PRE-EXTRAORDINARY> 1,336 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 811 <EPS-PRIMARY> .31 <EPS-DILUTED> .31 <YIELD-ACTUAL> 7.52 <LOANS-NON> 100 <LOANS-PAST> 20 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 977 <CHARGE-OFFS> (3) <RECOVERIES> 0 <ALLOWANCE-CLOSE> 988 <ALLOWANCE-DOMESTIC> 14 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0