Exhibit 99.1

                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                                   AS ADDED BY
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002


     In  connection  with  the  Quarterly  Report  of FFLC  Bancorp,  Inc.  (the
"Company")  on Form 10-Q for the period ended  September  30, 2002 as filed with
the  Securities and Exchange  Commission  (the  "Report"),  I, Stephen T. Kurtz,
President and Chief Executive  Officer of the Company,  certify,  pursuant to 18
U.S.C.ss. 1350, as added by ss. 906 of the Sarbanes-Oxley Act of 2002, that:

     1.   The Report fully  complies with the  requirements  of Section 13(a) or
          15(d) of the Securities Exchange Act of 1934; and

     2.   To my  knowledge,  the  information  contained  in the  Report  fairly
          presents,  in all  material  respects,  the  financial  condition  and
          results of operations of the Company as of and for the period  covered
          by the Report.




Date:  October 16, 2002             By:  /s/ Stephen T. Kurtz
       ----------------                 -----------------------------------
                                           Stephen T. Kurtz, President and
                                            Chief Executive Officer