1 ================================================================================ /------------------------------/ / OMB APPROVAL / /------------------------------/ / OMB Number: 3235-0287 / / Expires: January 31, 2005 / / Estimated average burden / / hours per response...... 0.5 / /------------------------------/ +--------+ | FORM 4 | U.S. SECURITIES AND EXCHANGE COMMISSION +--------+ WASHINGTON, D.C. 20549 [_] Check this box if no longer subject STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP to Section 16. Form 4 or Form 5 Filed pursuant to Section 16(a) of the Securities obligations may Exchange Act of 1934, Section 17(a) of the continue. See Public Utility Holding Company Act of 1935 or Instruction 1(b). Section 30(h) of the Investment Company Act of 1940 (Print or Type Responses) -------------------------------------------------------------------------------- 1. Name and Address of Reporting Person* Hewitt, Howard H. -------------------------------------------------------------------------------- (Last) (First) (Middle) 800 North Boulevard West -------------------------------------------------------------------------------- (Street) Leesburg, FL 34748 -------------------------------------------------------------------------------- (City) (State) (Zip) 2. Issuer Name and Ticker or Trading Symbol FFLC Bancorp, Inc. FFLC ----------------------------------- 3. I.R.S. Identification Number of Reporting Person, if an entity (Voluntary) -------------------------------------------------------------------------------- 4. Statement for Month/Day/Year January 30, 2003 ----------------------------------------------- 5. If Amendment, Date of Original (Month/Day/Year) ---------------------------- 6. Relationship of Reporting Person(s) to Issuer (Check all applicable) X Director ____ Officer ___ 10% Owner ___ Other ---- (give title below) (specify below) ---------------------------------------------------------------------------- 7. Individual or Joint/Group Filing (Check Applicable Line) X Form filed by One Reporting Person ---- ____ Form filed by More than One Reporting Person

------------------------------------------------------------------------------------------------------------------------------------ TABLE I--NON-DERIVATIVE SECURITIES ACQUIRED, DISPOSED OF, OR BENEFICIALLY OWNED ------------------------------------------------------------------------------------------------------------------------------------ 1. Title 2. Trans- 2A. 3. Trans- 4. Securities Acquired (A) 5. Amount of 6.Owner- 7. Nature of action Deemed action or Disposed of (D) Securities ship of In- Security Date Execution Code (Instr. 3, 4 and 5) Beneficially Form: direct (Instr. 3) (mm/dd/ Date, if (Instr. 8) Owned at Direct Bene- yy) any ----------------------------------------------- ~~End~~Following of (D)or ficial (mm/dd/yy) ~~Month~~Reported Indirect Owner- Code V Amount (A) or Price Transaction(~~Instr. 3 and 4~~s) (I) ship (D) (Instr. 3 and 4) (Instr. 4) (Instr. 4) ------------------------------------------------------------------------------------------------------------------------------------ Common Stock 1201/3127/~~2002~~2003 PW 1V 9,~~300.0000~~375 A ~~$29.~~9,375 I By Spouse's Trust ------------------------------------------------------------------------------------------------------------------------------------ Common Stock 01/27/2003 W V 9,375 A I By Trust ------------------------------------------------------------------------------------------------------------------------------------ Common Stock 01/0230/2003 P ~~86.3236~~300 A $2934.5470 2837,~~174.2642~~889 I By Trust (1) ------------------------------------------------------------------------------------------------------------------------------------ Common Stock 2,025~~.0000~~ D ------------------------------------------------------------------------------------------------------------------------------------ Common Stock 672~~.0000~~ I By RRP Trust ------------------------------------------------------------------------------------------------------------------------------------ Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly. *If the form is filed by more than one reporting person, see Instruction 4(b)(v).

Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number. (Over) SEC 1474(9-02) 2

FORM 4 (continued) Hewitt, Howard H. - January 2003 ----------------------------------------------------------------------------------------------------------------------------- TABLE II--DERIVATIVE SECURITIES ACQUIRED, DISPOSED OF, OR BENEFICIALLY OWNED (E.G., PUTS, CALLS, WARRANTS, OPTIONS, CONVERTIBLE SECURITIES) ----------------------------------------------------------------------------------------------------------------------------- 1. Title of Derivative 2. Conver- 3. Trans- 3A. Deemed 4. Transac- 5. Number of Deriv- Security (Instr. 3) sion or action Execution tion Code ative Securities Exercise Date Date, if (Instr. 8) Acquired (A) or Price of (Month/ any Disposed of (D) Deriv- Day/ (Month/ (Instr. 3, 4, and 5) ative Year) Day/ Security Year) -----------------------------------------------~~--------~~ Code V (A) (D) ------------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------------ ~~------------------------------------------------------------------------------------------------------------------------------~~

Explanation of Responses: SEE ATTACHED STATEMENT /s/ George W. Murphy, Jr. 02/03/03 -------------------------------- ------------------- **Signature of Reporting Person Date By: George W. Murphy, Jr., Power of Attorney For: Howard H. Hewitt ** Intentional misstatements or ommissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a). Note: File three copies of this form, one of which must be manually signed. If space provided is insufficient, see Instruction 6 for procedure. Potential persons who are to respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number. Page 2 of 2 3 ================================================================================ Explanation of responses: (1) This form reflects increases in beneficial ownership resulting from exempt acquisitions under the Dividend Reinvestment Plan. Page 3 of 3

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