Exhibit 32.1

                            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 June 30, 2004 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: July 23, 2004                By: /s/ Stephen T. Kurtz
                                       -------------------------------------
                                       Stephen T. Kurtz, President and Chief
                                             Executive Officer

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.