-------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 May 10, 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 9. Regulation FD Disclosure FFLC Bancorp, Inc. (Nasdaq: FFLC) announced that it will participate in the 2004 America's Community Bankers Community Bank Investor Conference in New York on May 10th through May 11, 2004. The Conference will feature presentations from over 20 community banks which comprise the America's Community Bankers NASDAQ Stock Index, and will be web cast on the ACB website, www.acbankers.org. 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: May 10, 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