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                      SECURITIES AND EXCHANGE COMMISSION

                            WASHINGTON, D.C.  20549

                                   FORM 8-K

                                CURRENT REPORT


    Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934


               Date of Report (Date of earliest event reported)
                           September October 7, 1996



                         COMMISSION FILE NO.:  0-22608


                              FFLC BANCORP, INC.
                              ------------------
            (Exact name of registrant as specified in its charter)


Delaware                                                       59-3204891
- -----------------------------------------------           --------------------
(State or other Jurisdiction of Incorporation              (IRS Employer or
organization)                                              Identification No.)


800 North Boulevard West, P.O. Box 490420, Leesburg, Florida     34749-0420
- ------------------------------------------------------------   -----------------
(Address of principal executive offices)                        (Zip Code)


Registrant's telephone number, including area code              (352) 787-3311
                                                               -----------------




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ITEM 5.  OTHER EVENTS.
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FFLC  Bancorp,  Inc.  (NASDAQ:NMS:FFLC),  the holding  company for First Federal
Savings Bank of Lake County,  issued the attached  Press  Release  regarding the
effect of the one-time FDIC assessment on  SAIF-insured  institutions on October
7, 1996.



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SIGNATURES

      Pursuant to the  requirements of the Securities  Exchange Act of 1934, the
Registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned hereunto duly authorized.


      Dated: October 10, 1996       By:    /s/ Stephen T. Kurtz
             ----------------             --------------------------------------
                                          Stephen T. Kurtz, President and
                                          Chief Executive Officer


      Dated: October 10, 1996       By:    /s/ Paul K. Mueller
             ----------------             --------------------------------------
                                          Paul K. Mueller, Senior Vice
                                          President and Chief Accounting Officer