FFLC Bancorp, Inc.
                               Holding Company for
                           First Federal Savings Bank
                  P.O. Box 490420 Leesburg, Florida 34749-0420
                    Voice (352) 787-3311 - Fax (352) 787-7206

FOR IMMEDIATE RELEASE                                  Contact: Stephen T. Kurtz
July 28, 2003                                                President & CEO

FFLC BANCORP, INC., Announces Attendance at Investor Conference in New York City

Leesburg, Florida. FFLC Bancorp, Inc. (NASDAQ NMS: FFLC), the holding company
for First Federal Savings Bank of Lake County, today announced that it will join
over 70 other community banks participating in the 2003 Keefe, Bruyette & Woods
4th Annual Community Bank Investor Conference in New York on July 29th, 30th and
31st. The Conference will be web cast on the KBW website, www.kbw.com.

Stephen T. Kurtz, FFLC's President and Chief Executive Officer, is scheduled to
make the Company's financial presentation on the morning of July 31st. Paul K.
Mueller, FFLC's Executive Vice President and Chief Financial Officer and Paul S.
Allen, First Federal Savings Bank's Senior Vice President, will also attend the
Conference to represent the Company.

The presentation will focus on the Company's 2002 and 2003 year-to-date
performance, and will also address the Company's strategic operating objectives.
The written presentation is currently available on the Company's website,
www.1stfederal.com (FFLC Bancorp section) and will remain available through
October 31, 2003.

"Safe Harbor" Statement under the Private Securities Litigation Reform Act of
1995: Statements in this Press Release and the presentation, relating to plans,
strategies, economic performance and trends, projections of results of specific
activities or investments and other statements that are not descriptions of
historical facts may be forward-looking statements within the meaning of the
Private Securities Litigation Reform Act of 1995, Section 27A of the Securities
Act of 1933 and Section 21E of the Securities Exchange Act of 1934.
Forward-looking information is inherently subject to risks and uncertainties,
and actual results could differ materially from those currently anticipated due
to a number of factors, which include, but are not limited to, risk factors
discussed in the Company's Annual Report on Form 10-K and in other documents
filed by the Company with the Securities and Exchange Commission from time to
time. Forward-looking statements may be identified by terms such as "may",
"will", "should", "could", "expects", "plans", "intends", "anticipates",
"believes", "estimates", "predicts", "forecasts", "potential" or "continue" or
similar terms or the negative of these terms. Although we believe that the
expectations reflected in the forward-looking statements are reasonable, we
cannot guarantee future results, levels of activity, performance or
achievements. The Company has no obligation to update these forward-looking
statements.

First Federal Savings Bank of Lake County conducts business in Lake, Sumter,
Citrus and Marion Counties, Florida, through a network of fourteen branch
offices. The stock of FFLC Bancorp, Inc. is quoted on the NASDAQ National Market
System under the symbol "FFLC". First Federal's web





site is located at http://www.1stfederal.com. FFLC Bancorp, Inc.'s SEC filings,
press releases and other supplemental information are available at the web site,
in the "FFLC Bancorp" section.