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 9, 2004 ---------------- (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 12. Results of Operations and Financial Condition. ---------------------------------------------- On April 9, 2004, the registrant issued a press release announcing the registrant's earnings for the first quarter ended March 31, 2004 and the declaration of a dividend. The full text of the press release is attached as Exhibit 99.1. 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. Date: April 9, 2004 FFLC Bancorp Inc. By: /s/ Stephen T. Kurtz ---------------------------------- Name: Stephen T. Kurtz Title: President and Chief Executive Officer By: /s/ Paul K. Mueller ---------------------------------- Name: Paul K. Mueller Title: Executive Vice President and Chief Financial Officer