SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT


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


  April 11, 2003
- ----------------- -
(Date of earliest event reported)

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


                                     FLORIDA
                          ----------------------------
                 (State or other jurisdiction of incorporation)


000-22608                                               59-3204891
- ---------------------------                            ---------------
(Commission File Number)                                (IRS Employer
                                                    Identification Number)


800 North Boulevard West, Post Office Box 490420, Leesburg, Florida  34749-0420
- -------------------------------------------------------------------  -----------
(Address of Principal Executive Offices)                             (Zip Code)


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








Item 7. Financial Statements and Other Exhibits.
        ----------------------------------------

Exhibit 99.1 Press Release dated April 11, 2003.

Item 9. Regulation FD Disclosure.
        -------------------------

On April  11,  2003,  the  registrant  issued  a press  release  announcing  the
registrant's  earnings  for the  first  quarter  of  fiscal  year  2003  and the
declaration of a dividend.

The full text of the press  release is  attached  as  Exhibit  99.1 and is being
furnished to the Securities and Exchange Commission under Item 12 of Form 8-K.



                                   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.

                                               FFLC BANCORP, INC.


Date:   April 11, 2003                     By: /s/ Stephen T. Kurtz
        --------------                        -----------------------
                                              Stephen T. Kurtz,
                                              President and Chief
                                              Executive Officer

Date:   April 11, 2003                     By: /s/Paul K. Mueller
       ---------------                         ---------------------
                                               Paul K. Mueller,
                                               Executive Vice President and
                                               Chief Financial Officer