Exhibit 99.4



                            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  June 30,  2003 as filed with the
Securities and Exchange Commission (the "Report"), I, Paul K. Mueller, Executive
Vice President and Treasurer 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:  July 24, 2003                        By:  /s/ Paul K. Mueller
       -------------                             -------------------------------
                                                 Paul K. Mueller, Executive Vice
                                                    President and Treasurer


A signed  original of this  written  statement  required by Section 906 has been
provided to the Company and will be retained by the Company and furnished to the
Securities and Exchange Commission or its staff upon request.