SECURITIESTable ANDof EXCHANGE COMMISSION Contents

~~WASHINGTON,~~SECURITIES DCAND ~~20549~~EXCHANGE COMMISSION

~~FORM~~WASHINGTON, ~~8-K~~ DC 20549

~~CURRENT~~FORM ~~REPORT~~8-K ~~PURSUANT TO SECTION 13 OR 15(d) OF THE~~ ~~SECURITIES EXCHANGE ACT OF 1934~~

~~Date~~CURRENT ofREPORT PURSUANT ~~Report~~TO ~~(Date~~SECTION of13 ~~earliest~~OR ~~event reported~~15(d): OF THE ~~April 22,~~SECURITIES ~~2003~~EXCHANGE ACT OF 1934

~~FLORIDA~~Date ~~BANKS~~of Report (Date of earliest event reported): July 15, ~~INC.~~2003

~~(Exact~~FLORIDA ~~Name~~BANKS, ~~of Registrant as Specified in Charter)~~INC.

~~Florida~~ (~~State~~Exact orName ~~Other Jurisdiction~~ of ~~Incorporation)~~Registrant ~~0-24683~~as ~~(Commission~~Specified ~~File~~in ~~Number~~Charter) ~~58-2364573 (IRS Employer Identification No.)~~

~~5210~~Florida ~~Belfort~~(State ~~RoadSuite~~or ~~310~~Other ~~Jacksonville,~~Jurisdiction ~~Florida~~of ~~(Address~~Incorporation) of0-24683 ~~Principal~~(Commission ~~Executive~~File ~~Offices~~Number) ~~32256~~58-2364573 (~~Zip~~IRS ~~Code~~Employer Identification No.)

~~Registrant’s~~5210 ~~telephone~~Belfort ~~number~~Road Suite 310 Jacksonville, ~~including~~Florida ~~area~~(Address ~~code:~~of Principal Executive Offices) 32256 (~~904~~Zip Code) ~~332-7772~~

~~N/A (Former~~Registrant’s ~~Name~~telephone ornumber, ~~Former~~including ~~Address;~~area ifcode: ~~Changed Since Last Report~~(904) 332-7772

~~ITEM~~N/A (Former 7.Name ~~FINANCIAL~~or ~~STATEMENTS,~~Former ~~PRO~~Address; ~~FORMA~~if ~~FINANCIAL~~Changed ~~STATEMENTS~~Since ~~AND~~Last ~~EXHIBITS~~Report)

~~(c) EXHIBITS.~~ TABLE OF CONTENTS

Exhibit No.		Description
99.1		Press Release dated April 22, 2003


EX-99.1 Press Release dated July 15, 2003

ITEMTable 9.of REGULATION FD DISCLOSURE Contents

~~The~~ITEM ~~following~~7. ~~information~~FINANCIAL isSTATEMENTS, ~~furnished~~PRO ~~pursuant~~FORMA toFINANCIAL ~~Item 12,~~STATEMENTS ~~“Results~~AND ofEXHIBITS ~~Operations and Financial Condition.”~~

The information in this Current Report is being furnished and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section(c) EXHIBITS. ~~The~~ ~~information in this Current Report shall not be incorporated by reference into~~ any registration statement or other document pursuant to the Securities Act of 1933, as amended. The furnishing of the information in this Current Report is not intended to, and does not, constitute a representation that such furnishing is required by Regulation FD or that the information this Current Report contains is material investor information that is not otherwise publicly available.

On April 22, 2003, Florida Banks, Inc. issued a press release (the “Press Release”) announcing its financial results for the first quarter ended March 31, 2003. A copy of the Press Release is attached as Exhibit 99.1. The Press Release is incorporated herein by reference.


Exhibit No.		Description

99.1		Press Release dated July 15, 2003

2ITEM 9. REGULATION FD DISCLOSURE

~~SIGNATURE~~ The following information is furnished pursuant to Item 12, “Results of Operations and Financial Condition.”

~~Pursuant~~The toinformation ~~the~~in ~~requirements~~this Current Report is being furnished and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section. The ~~Registrant~~information ~~has~~in ~~duly~~this ~~caused~~Current Report shall not be incorporated by reference into any registration statement or other document pursuant to the Securities Act of 1933, as amended. The furnishing of the information in this ~~report~~Current Report is not intended to, beand ~~signed~~does onnot, ~~its~~constitute ~~behalf~~a representation that such furnishing is required by Regulation FD or that the information this Current Report ~~undersigned~~contains ~~hereunto~~is ~~duly~~material ~~authorized~~investor information that is not otherwise publicly available.

		FLORIDA BANKS, INC.
		By: /s/ T. Edwin Stinson, Jr.
		T. Edwin Stinson, Jr. Chief Financial Officer
April 25, 2003

On July 15, 2003, Florida Banks, Inc. issued a press release (the “Press Release”) announcing its financial results for the three months ended June 30, 2003. A copy of the Press Release is attached as Exhibit 99.1. The Press Release is incorporated herein by reference.

Exhibit Index Table of Contents

Exhibit No.		Description
99.1		The press release of Registrant dated April 22, 2003

SIGNATURE

4 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.


		FLORIDA BANKS, INC

		By: /s/ T. Edwin Stinson, Jr.

		T. Edwin Stinson, Jr. Chief Financial Officer
July 15, 2003

Exhibit Index


	Exhibit No.		Description

	99.1		The press release of Registrant dated July 15, 2003

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