----

**UNITED      STATES**

**SECURITIES      AND EXCHANGE COMMISSION**

**WASHINGTON,      D.C. 20549**

**Form      10-Q**

| x | QUARTERLY                REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE                ACT OF                1934 |
|---|--------------------------------------------------------------------------------------------------------------------------------------|

|   | For                the quarterly period ended June 30,                2007 |
|--------|----------------------------------------------------------------------------|

|   | OR |
|--------|----|

| o | TRANSITION                REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE                ACT OF                1934 |
|---|---------------------------------------------------------------------------------------------------------------------------------------|

|   | For                the transition period from _____ to                _____ |
|--------|-----------------------------------------------------------------------------|

**FLORIDA      COMMUNITY BANKS, INC.**

**(Exact      name of registrant as specified in its charter)**

| **Florida**                                                                                 |   | **35-2164765**                                      |
|---------------------------------------------------------------------------------------------|--------|-----------------------------------------------------|
| (State                or other jurisdiction of Incorporation or organization)               |   | (I.R.S.                Employer Identification No.) |
|                                                                                        |   |                                                |
| **1400                North 15th                Street,                Immokalee, Florida** |   | **34142-2202**                                      |
| (Address                of principal executive offices)                                     |   | (Including                zip code)                 |

|   | **(239)  657-3171**                                   |   |
|--------|-----------------------------------------------------------------|--------|
|   | (Issuer's                Telephone Number, Including Area Code) |   |

| No                Change                                                                                         |
|------------------------------------------------------------------------------------------------------------------|
| (Former                name, former address and former fiscal year, if changed since last                report) |

| Yes                  x | No        o |
|----------------------------------|-----------------------------------------------------|

| Large                accelerated                filer o | Accelerated                filer                 x | Non-accelerated                filer o |
|--------------------------------------------------------------|---------------------------------------------------------|---------------------------------------------|

|   | Indicate                by check mark whether the registrant is a shell company (as defined                in                Rule 12b of the Exchange Act). |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Yes                 o | No        x |
|----------------------------|-----------------------------------------------------|

| Common                Stock, $0.01 par |   | Outstanding                at July 31, 2007: 6,591,387 |
|----------------------------------------|--------|--------------------------------------------------------|

----

**Form      10-Q**

**FLORIDA      COMMUNITY BANKS, INC.**

**June      30, 2007**

**TABLE      OF CONTENTS**

|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   | **Page                No.** |     |
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|-----------------------------|----------|
| **Part                I - Financial Information**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |   |                        |     |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |                        |     |
| Item                1                -                    Consolidated                Financial Statements (Unaudited)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |   |                        |     |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |                        |     |
| Consolidated                Statements of Financial Condition as of                June 30, 2007and                December 31,                2006                                                                                                                                                                               |   |                        | 3        |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |                        |     |   |
| Consolidated                Statements of Income for the Three                Months and Six MonthsEnded                June 30, 2007 and                2006                                                                                                                                                                     |   |                        | 4        |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |                        |     |   |
| Consolidated                Statement of Shareholders' Equity                for the Six MonthsEnded                June 30,                2007                                                                                                                                                                                  |   |                        | 5        |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |                        |     |   |
| Consolidated                Statements of Cash Flows for the Six                MonthsEnded                June 30, 2007 and                2006                                                                                                                                                                                  |   |                        | 6        |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |                        |     |   |
| Notes                to                Consolidated Financial                Statements                                                                                                                                                                                                                            |   |                        | 7        |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |                        |     |   |
| Item                2                - Management's Discussion and Analysis ofFinancial                Condition and Results of                Operations                                                                                                                                                     |   |                        | 14       |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |                        |     |   |
| Item                3 -                Quantitative and Qualitative Disclosures about Market                Risk                                                                                                                             |   |                        | 18       |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |                        |     |   |
| Item                4 -                Controls and                Procedures                                                                                                                                                                |   |                        | 19       |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |                        |     |   |
| **Part                II - Other Information**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |   |                        |     |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |                        |     |   |
| Item                1 - Legal                Proceedings                                                                                                                                                                                     |   |                        | 20       |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |                        |     |   |
| Item                1A - Risk                Factors                                                                                                                                                                                         |   |                        | 20       |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |                        |     |   |
| Item                4 - Submission of Matters                to a Vote of Security                Holders                                                                                                                                    |   |                        |  20 |   |
| Item                6 -                Exhibits                                                                                                                                                                                              |   |                        | 21       |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |                        |     |   |
| Signatures                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |   |                        | 23  |   |

----

**PART      I - FINANCIAL INFORMATION**

**Item      1 - Financial Statements**

Table

**FLORIDA      COMMUNITY BANKS, INC.**

**CONSOLIDATED      STATEMENTS OF FINANCIAL CONDITION**

**June      30, 2007 (Unaudited) and December 31, 2006**

|                                                                                                                                                                                                               |   | **June                30,****2007****(Unaudited)** |            |   | December                31,2006 |   |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|----------------------------------------------------|-----------------|--------|---------------------------------|--------|
| **Assets**                                                                                                                                                                                                         |   |                                               |            |   |                            |   |
| Cash                and due from banks                                                                                                                                                                             |   | **$**                                              | **11,012,301**  |   |                            | $      | 19,013,130 |   |
| Interest-bearing                demand deposits with banks                                                                                                                                                         |   | ** **                                         | **655,195**     |   |                            |   | 1,499,212 |   |
| Federal                funds sold                                                                                                                                                                                  |   | ** **                                         | **3,122,000**   |   |                            |   | 100,000 |   |
| **Cash                and Cash                Equivalents**                                                                                                                                                        |   | ** **                                         | **14,789,496**  |   |                            |   | 20,612,342 |   |
|                                                                                                                                                                                                               |   |                                               |            |   |                            |   |   |   |
| Securities                held-to-maturity, fair value of $118,566,677 in 2007 and $99,976,028                in 2006                                                                                         |   | ** **                                         | **121,345,206** |   |                            |   | 101,109,108 |   |
| Other                investments-securities                                                                                                                                                                        |   | ** **                                         | **5,149,965**   |   |                            |   | 5,595,465 |   |
| Other                investments-partnerships                                                                                                                                                                      |   | ** **                                         | **1,215,875**   |   |                            |   | 1,263,875 |   |
| Loans                held-for-sale                                                                                                                                                                                 |   | ** **                                         | **396,750**     |   |                            |   | 145,600 |   |
|                                                                                                                                                                                                               |   |                                               |            |   |                            |   |   |   |
| Loans,                net of unearned income                                                                                                                                                                       |   | ** **                                         | **816,107,059** |   |                            |   | 869,462,473 |   |
| Allowance                for loan losses                                                                                                                                                                           |   | ** **                                         | **(13,524,777** | **)**  |                            |   | (13,590,000 | ) |
| **Net                Loans**                                                                                                                                                                                       |   | ** **                                         | **802,582,282** |   |                            |   | 855,872,473 |   |
|                                                                                                                                                                                                               |   |                                               |            |   |                            |   |   |   |
| Premises                and equipment, net                                                                                                                                                                         |   | ** **                                         | **17,536,312**  |   |                            |   | 14,455,093 |   |
| Accrued                interest                                                                                                                                                                                    |   | ** **                                         | **6,550,675**   |   |                            |   | 6,640,337 |   |
| Foreclosed                real estate                                                                                                                                                                              |   | ** **                                         | **1,062,499**   |   |                            |   | 2,403,435 |   |
| Deferred                taxes, net                                                                                                                                                                                 |   | ** **                                         | **5,706,271**   |   |                            |   | 6,425,467 |   |
| Other                assets                                                                                                                                                                                        |   | ** **                                         | **3,790,874**   |   |                            |   | 2,154,231 |   |
| **Total                Assets**                                                                                                                                                                                    |   | **$**                                              | **980,126,205** |   |                            | $      | 1,016,677,426 |   |
|                                                                                                                                                                                                               |   |                                               |            |   |                            |   |   |   |
| **Liabilities                and Shareholders’ Equity**                                                                                                                                                      |   |                                               |            |   |                            |   |   |   |
|                                                                                                                                                                                                               |   |                                               |            |   |                            |   |   |   |
| **Liabilities**                                                                                                                                                                                                    |   |                                               |            |   |                            |   |   |   |
|                                                                                                                                                                                                               |   |                                               |            |   |                            |   |   |   |
| **Deposits**                                                                                                                                                                                                       |   |                                               |            |   |                            |   |   |   |
| Noninterest-bearing                                                                                                                                                                                                |   | **$**                                              | **88,354,762**  |   |                            | $      | 109,481,282 |   |
| Interest-bearing                                                                                                                                                                                                   |   | ** **                                         | **711,886,381** |   |                            |   | 725,980,218 |   |
| **Total                Deposits**                                                                                                                                                                                  |   | ** **                                         | **800,241,143** |   |                            |   | 835,461,500 |   |
|                                                                                                                                                                                                               |   |                                               |            |   |                            |   |   |   |
| Short-term                borrowings                                                                                                                                                                               |   | ** **                                         | **—**     |   |                            |   | 694,000 |   |
| Accrued                interest                                                                                                                                                                                    |   | ** **                                         | **3,567,732**   |   |                            |   | 2,767,839 |   |
| Deferred                compensation                                                                                                                                                                               |   | ** **                                         | **227,497**     |   |                            |   | 246,635 |   |
| FHLB                advances                                                                                                                                                                                       |   | ** **                                         | **45,000,000**  |   |                            |   | 55,000,000 |   |
| Subordinated                debentures                                                                                                                                                                             |   | ** **                                         | **30,929,000**  |   |                            |   | 30,929,000 |   |
| Other                liabilities                                                                                                                                                                                   |   | ** **                                         | **2,025,400**   |   |                            |   | 1,011,138 |   |
| **Total                Liabilities**                                                                                                                                                                               |   | ** **                                         | **881,990,772** |   |                            |   | 926,110,112 |   |
|                                                                                                                                                                                                               |   |                                               |            |   |                            |   |   |   |
| **Shareholders’                Equity**                                                                                                                                                                      |   |                                               |            |   |                            |   |   |   |
|                                                                                                                                                                                                               |   |                                               |            |   |                            |   |   |   |
| Common                stock - par value $0.01 per share, 10,000,000 shares authorized,                6,591,387                shares issued and outstanding at June 30, 2007 and December 31,                2006 |   | ** **                                         | **65,914**      |   |                            |   | 65,914 |   |
| Paid-in                capital                                                                                                                                                                                     |   | ** **                                         | **18,465,465**  |   |                            |   | 18,445,864 |   |
| Retained                earnings                                                                                                                                                                                   |   | ** **                                         | **79,604,054**  |   |                            |   | 72,055,536 |   |
| **Total                Shareholders’                Equity**                                                                                                                                                 |   | ** **                                         | **98,135,433**  |   |                            |   | 90,567,314 |   |
|                                                                                                                                                                                                               |   |                                               |            |   |                            |   |   |   |
| **Total                Liabilities and                Shareholders’ Equity**                                                                                                                                 |   | **$**                                              | **980,126,205** |   |                            | $      | 1,016,677,426 |   |

**3**

----

**FLORIDA      COMMUNITY BANKS, INC.**

**CONSOLIDATED      STATEMENTS OF INCOME**

**Three      Months and Six Months Ended June 30, 2007 and 2006**

**(Unaudited)**

Table

|                                                                                                                |   | Three                Months   |       |   | Six                Months     |   |
|---------------------------------------------------------------------------------------------------------------------|--------|-------------------------------|------------|--------|-------------------------------|--------|
|                                                                                                                |   | Ended                June 30, |       |   | Ended                June 30, |   |
|                                                                                                                |   | 2007                          |       |   | 2006                          |   |   | 2007 |   |   | 2006 |   |
| **Interest                Income**                                                                                  |   |                          |       |   |                          |   |   |   |   |   |   |   |
| Interest                and fees on                loans                                                            |   | $                             | 18,836,484 |   |                          | $      | 20,982,340 |   |   | $ | 38,024,290 |   |   | $ | 39,058,330 |   |
| Interest                and dividends on                taxablesecurities                                           |   |                          | 1,115,912  |   |                          |   | 691,280 |   |   |   | 2,195,527 |   |   |   | 1,375,694 |   |
| Interest                on tax-exempt                securities                                                     |   |                          | 207,132    |   |                          |   | — |   |   |   | 398,191 |   |   |   | — |   |
| Interest                on federal funds                soldand                other interest                income |   |                          | 147,418    |   |                          |   | 245,190 |   |   |   | 383,654 |   |   |   | 383,503 |   |
| **Total                Interest                Income**                                                             |   |                          | 20,306,946 |   |                          |   | 21,918,810 |   |   |   | 41,001,662 |   |   |   | 40,817,527 |   |
|                                                                                                                |   |                          |       |   |                          |   |   |   |   |   |   |   |   |   |   |   |
| **Interest                Expense**                                                                                 |   |                          |       |   |                          |   |   |   |   |   |   |   |   |   |   |   |
| Interest                on                deposits                                                                  |   |                          | 8,339,232  |   |                          |   | 7,479,587 |   |   |   | 16,768,696 |   |   |   | 13,525,377 |   |
| Interest                on borrowed                funds                                                            |   |                          | 1,263,109  |   |                          |   | 1,036,866 |   |   |   | 2,476,245 |   |   |   | 1,964,252 |   |
| **Total                Interest                Expense**                                                            |   |                          | 9,602,341  |   |                          |   | 8,516,453 |   |   |   | 19,244,941 |   |   |   | 15,489,629 |   |
|                                                                                                                |   |                          |       |   |                          |   |   |   |   |   |   |   |   |   |   |   |
| **Net                Interest Income**                                                                              |   |                          | 10,704,605 |   |                          |   | 13,402,357 |   |   |   | 21,756,721 |   |   |   | 25,327,898 |   |
|                                                                                                                |   |                          |       |   |                          |   |   |   |   |   |   |   |   |   |   |   |
| Provision                for loan losses                                                                            |   |                          | —    |   |                          |   | 2,410,000 |   |   |   | 299,100 |   |   |   | 3,390,000 |   |
|                                                                                                                |   |                          |       |   |                          |   |   |   |   |   |   |   |   |   |   |   |
| **Net                Interest Income After****Provision                for Loan                Losses**             |   |                          | 10,704,605 |   |                          |   | 10,992,357 |   |   |   | 21,457,621 |   |   |   | 21,937,898 |   |
|                                                                                                                |   |                          |       |   |                          |   |   |   |   |   |   |   |   |   |   |   |
| **Noninterest                Income**                                                                               |   |                          |       |   |                          |   |   |   |   |   |   |   |   |   |   |   |
| Customer                service                fees                                                                 |   |                          | 358,309    |   |                          |   | 419,845 |   |   |   | 700,165 |   |   |   | 844,766 |   |
| Secondary                market loan                fees                                                            |   |                          | 135,623    |   |                          |   | 222,415 |   |   |   | 248,844 |   |   |   | 363,076 |   |
| Gain                on sale of other real                estate                                                     |   |                          | 404,921    |   |                          |   | - |   |   |   | 404,921 |   |   |   | - |   |
| Other                operating                income                                                                |   |                          | 112,003    |   |                          |   | 496,842 |   |   |   | 283,489 |   |   |   | 890,425 |   |
| **Total                Noninterest                Income**                                                          |   |                          | 1,010,856  |   |                          |   | 1,139,102 |   |   |   | 1,637,419 |   |   |   | 2,098,267 |   |
|                                                                                                                |   |                          |       |   |                          |   |   |   |   |   |   |   |   |   |   |   |
| **Noninterest                Expenses**                                                                             |   |                          |       |   |                          |   |   |   |   |   |   |   |   |   |   |   |
| Salaries                and employee                benefits                                                        |   |                          | 2,780,978  |   |                          |   | 2,361,659 |   |   |   | 5,372,064 |   |   |   | 4,599,003 |   |
| Occupancy                and equipment                expense                                                       |   |                          | 653,505    |   |                          |   | 536,632 |   |   |   | 1,250,435 |   |   |   | 1,051,978 |   |
| Other                operating                expenses                                                              |   |                          | 1,018,336  |   |                          |   | 842,565 |   |   |   | 1,716,747 |   |   |   | 1,551,681 |   |
| **Total                Noninterest                Expenses**                                                        |   |                          | 4,452,819  |   |                          |   | 3,740,856 |   |   |   | 8,339,246 |   |   |   | 7,202,662 |   |
|                                                                                                                |   |                          |       |   |                          |   |   |   |   |   |   |   |   |   |   |   |
| Income                before income taxes                                                                           |   |                          | 7,262,642  |   |                          |   | 8,390,603 |   |   |   | 14,755,794 |   |   |   | 16,833,503 |   |
| Income                tax expense                                                                                   |   |                          | 2,733,304  |   |                          |   | 3,230,631 |   |   |   | 5,559,429 |   |   |   | 6,479,627 |   |
|                                                                                                                |   |                          |       |   |                          |   |   |   |   |   |   |   |   |   |   |   |
| **Net                Income**                                                                                       |   | $                             | 4,529,338  |   |                          | $      | 5,159,972 |   |   | $ | 9,196,365 |   |   | $ | 10,353,876 |   |
|                                                                                                                |   |                          |       |   |                          |   |   |   |   |   |   |   |   |   |   |   |
| Basic                earnings per common share                                                                      |   | $                             | 0.69       |   |                          | $      | 0.78 |   |   | $ | 1.40 |   |   | $ | 1.57 |   |
| Diluted                earnings per common share                                                                    |   |                          | 0.68       |   |                          |   | 0.77 |   |   |   | 1.37 |   |   |   | 1.55 |   |
|                                                                                                                |   |                          |       |   |                          |   |   |   |   |   |   |   |   |   |   |   |
| Cash                dividends declaredper                common share                                               |   |                          | 0.25       |   |                          |   | 0.21 |   |   |   | 0.25 |   |   |   | 0.21 |   |
|                                                                                                                |   |                          |       |   |                          |   |   |   |   |   |   |   |   |   |   |   |
| Weighted                average commonshares                outstanding -                basic                      |   |                          | 6,591,387  |   |                          |   | 6,573,331 |   |   |   | 6,591,387 |   |   |   | 6,579,953 |   |
| Weighted                average commonshares                outstanding -                diluted                    |   |                          | 6,701,509  |   |                          |   | 6,667,639 |   |   |   | 6,700,705 |   |   |   | 6,664,764 |   |
|                                                                                                                |   |                          |       |   |                          |   |   |   |   |   |   |   |   |   |   |   |

**4**

----

**FLORIDA      COMMUNITY BANKS, INC.**

**CONSOLIDATED      STATEMENT OF SHAREHOLDERS' EQUITY**

**Six      months Ended June 30, 2007**

**(Unaudited)**

Table

|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |   | CommonStock |       |   | Paid-inCapital |   |           | RetainedEarnings |   |   | Total          |   |
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|-------------|------------|--------|----------------|--------|----------------|------------------|--------|--------|----------------|--------|
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |   |        |       |   |           |   |           |             |   |   |           |   |
| Balance                at December 31,                2006                                                                                 |   | $           | 65,914     |   |           | $      | 18,445,864     |             |   | $      | 72,055,536     |   |   | $ | 90,567,314 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |   |        |       |   |           |   |           |             |   |   |           |   |   |   |   |   |
| Cash                dividends - Common$0.25                per                share                                                                  |   |        | —    |   |           |   | —        |             |   |   | (1,647,847     | )      |   |   | (1,647,847 | ) |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |   |        |       |   |           |   |           |             |   |   |           |   |   |   |   |   |
| Stock-based                compensation                expense                                                                             |   |        | —    |   |           |   | 19,601         |             |   |   | —        |   |   |   | 19,601 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |   |        |       |   |           |   |           |             |   |   |           |   |   |   |   |   |
| Net                income - six months endedJune                30,                2007                                                                        |   |        | —    |   |           |   | —        |             |   |   | 9,196,365      |   |   |   | 9,196,365 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |   |        |       |   |           |   |           |             |   |   |           |   |   |   |   |   |
| **Balance                at June 30,                2007                                                                   **              |   | **$**       | **65,914** |   |           | **$**  | **18,465,465** |             |   | **$**  | **79,604,054** |   |   | **$** | **98,135,433** |   |

**5**

----

**FLORIDA      COMMUNITY BANKS, INC.**

**CONSOLIDATED      STATEMENTS OF CASH FLOWS**

**Six      months Ended June 30, 2007 and 2006**

**(Unaudited)**

Table

|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |   | Six                Months     |            |
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|-------------------------------|-----------------|
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |   | Ended                June 30, |            |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |   | **2007**                      |            |   | 2006 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |   |                          |            |   |   |   |
| **Operating                Activities**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |   |                          |            |   |   |   |
| Net                Income                                                                                                                                                                                     |   | **$**                         | **9,196,365**   |   |   | $ | 10,353,876 |   |
| Adjustments                to reconcile net                income to net cash  provided                by                operating activities:                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |   |                          |            |   |   |   |   |   |
| Provision                for loan                losses                                                                                                                                                                                |   | ** **                    | **299,100**     |   |   |   | 3,390,000 |   |
| Compensation                associated with the                issuanceof                options, net of                tax                                                                                                                      |   | ** **                    | **19,601**      |   |   |   | 48,833 |   |
| Gain                on sale of other real estate                owned property                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   | ** **                    | **(404,921**    | **)** |   |   | — |   |
| Loss                on disposal of premises and                equipment                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |   | ** **                    | **2,780**       |   |   |   | — |   |
| Depreciation,                amortization, and                accretion, net                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |   | ** **                    | **524,232**     |   |   |   | 550,617 |   |
| Decrease                (increase) in accrued                interest receivable                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |   | ** **                    | **89,662**      |   |   |   | (182,740 | ) |
| Increase                in accrued interest                payable                                                                                                                                            |   | ** **                    | **799,893**     |   |   |   | 154,366 |   |
| (Increase)                decrease in deferred                tax asset,                net                                                                                                                   |   | ** **                    | **719,196**     |   |   |   | (1,277,543 | ) |
| Other,                net                                                                                                                                                                                     |   | ** **                    | **(575,217**    | **)** |   |   | 254,970 |   |
| **Net                Cash Provided By Operating                Activities**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |   | ** **                    | **10,670,691**  |   |   |   | 13,292,379 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |   |                          |            |   |   |   |   |   |
| **Investing                Activities**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |   |                          |            |   |   |   |   |   |
| Purchase                of investment securities                held-to-maturity                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |   | ** **                    | **(23,472,981** | **)** |   |   | — |   |
| Proceeds                from pay-downs of                investmentsecurities                held-to-maturity                                                                                                           |   | ** **                    | **3,187,285**   |   |   |   | 2,628,298 |   |
| (Purchase)/sale                of other                investment securities                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |   | ** **                    | **445,500**     |   |   |   | (267,200 | ) |
| Net                decrease (increase) in loans                to customers                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |   | ** **                    | **52,241,765**  |   |   |   | (109,130,687 | ) |
| Proceeds                from other                investments                                                                                                                                                 |   | ** **                    | **48,000**      |   |   |   | — |   |
| Proceeds                from the sale of premises                and equipment                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   | ** **                    | **12,536**      |   |   |   | — |   |
| Purchase                of premises and                equipment                                                                                                                                              |   | ** **                    | **(3,596,873**  | **)** |   |   | (396,263 | ) |
| Proceeds                from the sale of other                real estate owned                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |   | ** **                    | **2,203,435**   |   |   |   | — |   |
| **Net                Cash Provided By (Used In)                Investing Activities**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |   | ** **                    | **31,068,667**  |   |   |   | (107,165,852 | ) |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |   |                          |            |   |   |   |   |   |
| **Financing                Activities**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |   |                          |            |   |   |   |   |   |
| Net                increase (decrease) in demand                deposits, NOW accountsand                savings                accounts                                                                                |   | ** **                    | **(24,178,182** | **)** |   |   | 38,373,912 |   |
| Net                increase (decrease) in                certificates of deposits                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |   | ** **                    | **(11,042,175** | **)** |   |   | 82,126,898 |   |
| Repayments                of short-term                borrowings                                                                                                                                             |   | ** **                    | **(694,000**    | **)** |   |   | (24,988,000 | ) |
| Repayments                of other                debt                                                                                                                                                        |   | ** **                    | **—**     |   |   |   | (5,267 | ) |
| Issuance                of subordinated                debentures                                                                                                                                             |   | ** **                    | **—**     |   |   |   | 20,010,000 |   |
| Net                decrease in FHLB                advances                                                                                                                                                   |   | ** **                    | **(10,000,000** | **)** |   |   | (5,000,000 | ) |
| Dividends                paid                                                                                                                                                                                 |   | ** **                    | **(1,647,847**  | **)** |   |   | (1,373,286 | ) |
| **Net                Cash (Used In) Provided By                Financing Activities**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |   | ** **                    | **(47,562,204** | **)** |   |   | 109,144,257 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |   |                          |            |   |   |   |   |   |
| **Net                (Decrease) Increase in Cash and Cash Equivalents**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |   | ** **                    | **(5,822,846**  | **)** |   |   | 15,270,784 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |   |                          |            |   |   |   |   |   |
| Cash                and Cash Equivalents at Beginning of Period                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |   | ** **                    | **20,612,342**  |   |   |   | 32,368,349 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |   |                          |            |   |   |   |   |   |
| **Cash                and Cash Equivalents at End of Period**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |   | **$**                         | **14,789,496**  |   |   | $ | 47,639,133 |   |

**6**

----

**FLORIDA            COMMUNITY BANKS,            INC.**

**NOTES            TO CONSOLIDATED FINANCIAL            STATEMENTS**

**June            30,            2007**

**(Unaudited)**

**Note      A - Basis of Presentation**

Table

**Note      B - Critical Accounting Policies**

**7**

----

**FLORIDA            COMMUNITY BANKS,            INC.**

**NOTES            TO CONSOLIDATED FINANCIAL            STATEMENTS**

**June            30,            2007**

**(Unaudited)**

**Note      B – Critical Accounting Policies-Continued**

**Note      C - Income Taxes**

*Accounting for      Uncertainties in Income Taxes, an Interpretation of FASB Statement No. 109*

**Note      D - Securities**

*Accounting for Certain      Investments in Debt and Equity Securities *

**8**

----

**FLORIDA            COMMUNITY BANKS,            INC.**

**NOTES            TO CONSOLIDATED FINANCIAL            STATEMENTS**

**June            30,            2007**

**(Unaudited)**

**Note      D - Securities - Continued**

|                                          |   | GrossAmortizedCost |            |   | GrossUnrealizedGains |       |        | EstimatedUnrealizedLosses |   |       | FairValue     |   |
|-----------------------------------------------|--------|--------------------|-----------------|--------|----------------------|------------|-------------|---------------------------|--------|------------|---------------|--------|
| Securities                Held-to-Maturity    |   |               |            |   |                 |       |        |                      |   |       |          |   |
|                                          |   |               |            |   |                 |       |        |                      |   |       |          |   |
| June                30, 2007:                 |   |               |            |   |                 |       |        |                      |   |       |          |   |
| **FHLB                and FHLMC**             |   |               |            |   |                 |       |        |                      |   |       |          |   |
| **agency                notes**               |   | **$**              | **18,494,011**  |   |                 | **$**      | **—** |                      |   | **$**      | **212,831**   |   |   | **$** | **18,281,180** |   |
| **Municipal                securities**       |   | ** **         | **20,602,822**  |   |                 | ** ** | **—** |                      |   | ** ** | **569,380**   |   |   | ** ** | **20,033,442** |   |
| **Mortgage-backed                securities** |   | ** **         | **82,248,373**  |   |                 | ** ** | **5,980**   |                      |   | ** ** | **2,002,298** |   |   | ** ** | **80,252,055** |   |
|                                          |   |               |            |   |                 |       |        |                      |   |       |          |   |   |   |   |   |
|                                          |   | **$**              | **121,345,206** |   |                 | **$**      | **5,980**   |                      |   | **$**      | **2,784,509** |   |   | **$** | **118,566,677** |   |
|                                          |   |               |            |   |                 |       |        |                      |   |       |          |   |   |   |   |   |
| December                31, 2006:             |   |               |            |   |                 |       |        |                      |   |       |          |   |   |   |   |   |
| FHLB                and FHLMC                 |   |               |            |   |                 |       |        |                      |   |       |          |   |   |   |   |   |
| agency                notes                   |   | $                  | 12,530,776      |   |                 | $          | 28,181      |                      |   | $          | 43,207        |   |   | $ | 12,515,750 |   |
| Municipal                securities           |   |               | 16,765,363      |   |                 |       | 136,498     |                      |   |       | 19,021        |   |   |   | 16,882,840 |   |
| Mortgage-backed                securities     |   |               | 71,812,969      |   |                 |       | 53,473      |                      |   |       | 1,289,004     |   |   |   | 70,577,438 |   |
|                                          |   |               |            |   |                 |       |        |                      |   |       |          |   |   |   |   |   |
|                                          |   | $                  | 101,109,108     |   |                 | $          | 218,152     |                      |   | $          | 1,351,232     |   |   | $ | 99,976,028 |   |

|                                                     |   | Less                Than 12 Months |       |   | 12                Months or                More |   |      | Total     |   |
|----------------------------------------------------------|--------|------------------------------------|------------|--------|-------------------------------------------------|--------|-----------|-----------|--------|
| Description                of Securities                 |   | FairValue                          |       |   | UnrealizedLosses                                |   |      | FairValue |   |   | UnrealizedLosses |   |   | FairValue |   |   | UnrealizedLosses |   |
|                                                     |   |                               |       |   |                                            |   |      |      |   |   |   |   |   |   |   |   |   |   |
| FHLB                and FHLMCagency                notes |   | $                                  | 10,353,450 |   |                                            | $      | 174,949   |      |   | $ | 1,961,000 |   |   | $ | 37,882 |   |   | $ | 12,314,450 |   |   | $ | 212,831 |   |
| Municipal                securities                      |   |                               | 20,033,442 |   |                                            |   | 569,380   |      |   |   | — |   |   |   | — |   |   |   | 20,033,442 |   |   |   | 569,380 |   |
| Mortgage-backedsecurities                                |   |                               | 30,917,674 |   |                                            |   | 533,443   |      |   |   | 48,609,480 |   |   |   | 1,468,855 |   |   |   | 79,527,154 |   |   |   | 2,002,298 |   |
|                                                     |   |                               |       |   |                                            |   |      |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total                                                    |   | $                                  | 61,304,566 |   |                                            | $      | 1,277,772 |      |   | $ | 50,570,480 |   |   | $ | 1,506,737 |   |   | $ | 111,875,046 |   |   | $ | 2,784,509 |   |
|                                                     |   |                               |       |   |                                            |   |      |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |

**9**

----

**FLORIDA            COMMUNITY BANKS,            INC.**

**NOTES            TO CONSOLIDATED FINANCIAL            STATEMENTS**

**June            30,            2007**

**(Unaudited)**

**Note      D - Securities - Continued**

**Note      E - Subordinated Debentures**

**Note      F - Shareholders’ Equity**

**Note      G - Segment Information**

**Note      H - Stock-Based Compensation**

*Share-Based Payment,*

**10**

----

**FLORIDA            COMMUNITY BANKS,            INC.**

**NOTES            TO CONSOLIDATED FINANCIAL            STATEMENTS**

**June            30,            2007**

**(Unaudited)**

**Note      H - Stock-Based Compensation - Continued**

**Note      I - Commitments and Contingencies**

**11**

----

**FLORIDA            COMMUNITY BANKS,            INC.**

**NOTES            TO CONSOLIDATED FINANCIAL            STATEMENTS**

**June            30,            2007**

**(Unaudited)**

**Note      I - Commitments and Contingencies - Continued**

|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |   | **June                30,****2007** |            |   | December                31,2006 |   |
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|-------------------------------------|-----------------|--------|---------------------------------|--------|
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |   |                                |            |   |                            |   |
| Commitments                to extend                credit                                                                                                 |   | **$**                               | **135,554,898** |   |                            | $      | 203,088,000 |   |
| Standby                and commercial letters of                credit                                                                                     |   | ** **                          | **1,410,635**   |   |                            |   | 2,427,000 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |   |                                |            |   |                            |   |   |   |
| Total                commitments and                contingencies                                                                                          |   | **$**                               | **136,965,533** |   |                            | $      | 205,515,000 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |   |                                |            |   |                            |   |   |   |

**Note      J - Recent Accounting Pronouncements**

*"Accounting for Certain Hybrid Financial Instruments, an amendment of      FASB      Statements No. 133 and 140." *
*"Accounting for Derivative Instruments and Hedging Activities."*
*"Embedded Derivatives: Application of      Paragraph 13(b) to Securitized Interests in Prepayable Financial Assets."*

**Note      J - Recent Accounting Pronouncements - Continued**

*Accounting for Servicing of Financial      Assets, *
* *

*Accounting for Uncertainly in Income Taxes,*

*Employers' Accounting for      Defined Benefit Pension and Other Postretirement Plan,*
*, *

*Fair Value Measurements.*

**12**

----

**FLORIDA            COMMUNITY BANKS,            INC.**

**NOTES            TO CONSOLIDATED FINANCIAL            STATEMENTS**

**June            30,            2007**

**(Unaudited)**

**Note      J - Recent Accounting Pronouncements - Continued**

*Accounting for Deferred Compensation and Postretirement Benefit      Aspects of Endorsement Split-Dollar Life Insurance Arrangements. *

*The Fair Value Option for      Financial Assets and Financial Liabilities. *

**13**

----

**FLORIDA            COMMUNITY BANKS,            INC.**

**June            30,            2007**

**tem      2 - Management’s Discussion and Analysis of Financial Condition and Results of      Operations**

Table

**Forward-Looking      Information**

**FINANCIAL      CONDITION**

**June      30, 2007 compared to December 31, 2006**

**Loans**

**Investment      Securities and Other Earning Assets**

**Asset      Quality**

**Deposits**

**14**

----

**FLORIDA            COMMUNITY BANKS,            INC.**

**June            30,            2007**

**Shareholders’      Equity**

** **
** **

**Liquidity      Management**

**Capital      Resources**

**15**

----

**FLORIDA            COMMUNITY BANKS,            INC.**

**June            30,            2007**

**RESULTS      OF OPERATIONS**

**Three      months ended June 30, 2007 and 2006**

**Summary**

**Net      Interest Income**

**Provision      for Loan Losses**

** **
*Accounting for Contingencies*
*Accounting for      Impairment of a Loan*

**Noninterest      Income**

**Noninterest      Expenses**

**Income      Taxes**

**16**

----

**FLORIDA          COMMUNITY BANKS,          INC.**

**June          30,          2007**

**Six      Months Ended June 30, 2007 and 2006**

**Summary**

**Net      Interest Income**

**Provision      for Loan Losses**

**Noninterest      Income**

**Noninterest      Expenses**

**Income      Taxes**

**Other      Accounting Issues**

**17**

----

**FLORIDA            COMMUNITY BANKS,            INC.**

**June            30,            2007**

**Item      3. Quantitative and Qualitative Disclosures about Market      Risk**

Table

**.**

|                                                                                                                                                                                                                                                                                                                                                                                                                 |   | Estimated                Fair Value of                Financial Instruments |    |
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|-----------------------------------------------------------------------------|---------|
|                                                                                                                                                                                                                                                                                                                                                                                                                 |   | Down1                Percent                                                |    |   | Up1                Percent |   |   | Down2                Percent |   |   | Up2                Percent |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                 |   | Dollars                in Thousands                                         |    |
| **Interest-earning                Assets**                                                                                                                                                                                                                                                                                                                                                                           |   |                                                                        |    |   |   |   |   |   |   |   |   |   |
| Federal                funds sold and cash equivalents                                                                                                                                                                                                                                                                                                                                                               |   | $                                                                           | 3,777   |   |   | $ | 3,777 |   |   | $ | 3,777 |   |   | $ | 3,777 |   |
| Securities                                                                                                                                                                                                                                                                                                                                                                                                           |   |                                                                        | 127,964 |   |   |   | 116,688 |   |   |   | 133,033 |   |   |   | 110,952 |   |
| Loans                                                                                                                                                                                                                                                                                                                                                                                                                |   |                                                                        | 811,015 |   |   |   | 809,488 |   |   |   | 813,274 |   |   |   | 807,775 |   |
| **Total                Interest-earning                Assets**                                                                                                                                                                                                                                                                                                                                                      |   |                                                                        | 942,756 |   |   |   | 929,953 |   |   |   | 950,084 |   |   |   | 922,504 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                 |   |                                                                        |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| **Interest-bearing                Liabilities**                                                                                                                                                                                                                                                                                                                                                                      |   |                                                                        |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Deposits                - Savings and demand                                                                                                                                                                                                                                                                                                                                                                         |   |                                                                        | 240,787 |   |   |   | 235,663 |   |   |   | 243,928 |   |   |   | 233,232 |   |
| Deposits                - Time                                                                                                                                                                                                                                                                                                                                                                                       |   |                                                                        | 456,934 |   |   |   | 453,266 |   |   |   | 459,013 |   |   |   | 450,136 |   |
| Other                borrowings                                                                                                                                                                                                                                                                                                                                                                                      |   |                                                                        | 44,792  |   |   |   | 43,860 |   |   |   | 45,501 |   |   |   | 43,491 |   |
| **Total                Interest-bearing                Liabilities**                                                                                                                                                                                                                                                                                                                                                 |   |                                                                        | 742,513 |   |   |   | 732,789 |   |   |   | 748,442 |   |   |   | 726,859 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                 |   |                                                                        |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| **Net                Difference in Fair                Value                                                         ** |   | $                                                                           | 200,243 |   |   | $ | 197,164 |   |   | $ | 201,642 |   |   | $ | 195,645 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                 |   |                                                                        |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| **Change                in Net Interest Income**                                                                                                                                                                                                                                                                                                                                                                     |   | $                                                                           | (2,661  | ) |   | $ | 3,019 |   |   | $ | (5,398 | ) |   | $ | 5,085 |   |

**18**

----

**FLORIDA          COMMUNITY BANKS,          INC.**

**June          30,          2007**

**Item      4. Controls and Procedures**

Table

**Evaluation      of Disclosure Controls and Procedures**

**Changes      in Internal Controls**

**19**

----

**FLORIDA            COMMUNITY BANKS,            INC.**

**June            30,            2007**

**PART      II - Other Information**

Table

**Item      1 - Legal Proceedings**

**Item      1A - Risk Factors**

**Item      4 - Submission of Matters to a Vote of Security Holders**

**PROPOSAL      I. Election of Directors**

|                                | **FOR               ** | **WITHHELD                                 ** |
|-------------------------------------|---------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| Beauford                E. Davidson | **4,863,315**                                                                                     | **208**                                                                                                                                                                                                            |
| Patrick                B. Langford  | **4,863,315**                                                                                     | **208**                                                                                                                                                                                                            |
| Lewis                J. Nobles, Jr. | **4,863,315**                                                                                     | **208**                                                                                                                                                                                                            |
| John                R. Olliff       | **4,863,315**                                                                                     | **208**                                                                                                                                                                                                            |
| James                O’Quinn  | **4,863,315**                                                                                     | **208**                                                                                                                                                                                                            |
| Stephen                L. Price     | **4,759,635**                                                                                     | **103,888**                                                                                                                                                                                                        |
| Bernard                T. Rasmussen | **4,863,635**                                                                                     | **208**                                                                                                                                                                                                            |
| Daniel                G. Rosbough   | **4,863,635**                                                                                     | **208**                                                                                                                                                                                                            |

**PROPOSAL      II.**
**Adjournment if Necessary**

| **FOR               ** | **AGAINST** | **ABSTAIN                       ** |
|---------------------------------------------------------------------------------------------------|-------------|-------------------------------------------------------------------------------------------------------------------------------------------------------|

**                                      4,714,107                                                                                           144,805                                                                                                4,611                                                               **

**20**

----

**FLORIDA          COMMUNITY BANKS,          INC.**

**June          30,          2007**

**Item      6 - Exhibits**

| **Exhibit                No.** |   | **Exhibit                                                         **                                                                                                                                                                                                    |   | **Page** |
|--------------------------------|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|----------|
|                           |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |   |     |
| 3.1                            |   | Articles                of Incorporation of FCBI (included as Exhibit 3.1 to FCBI's Registration                Statement on Form 8-A filed with the SEC on April 15, 2002, and                incorporated herein by reference).                                                                                                                                                                                                                                                                                                                                    |   |     |
|                           |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |   |     |
| 3.2                            |   | By-laws                of FCBI (included as Exhibit 3.2 to FCBI's Registration Statement                on Form                8-A filed with the SEC on April 15, 2002, and incorporated herein                by                reference).                                                                                                                                                                                                                                                                                                                        |   |     |
|                           |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |   |     |
| 4.1                            |   | Subordinated                Promissory Note dated December 24, 2001, between Florida Community                Bank                and Independent Bankers Bank of Florida (included as Exhibit 4.1                to the                Bank's Form 10-KSB for the year ended December 31, 2001, and incorporated                herein by reference).                                                                                                                                                                                                               |   |     |
|                           |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |   |     |
| 4.2                            |   | Specimen                Common Stock Certificate of FCBI (included as Exhibit 4.1 to FCBI's                Registration Statement on Form 8-A filed with the SEC on April 15,                2002,                and incorporated herein by reference).                                                                                                                                                                                                                                                                                                             |   |     |
|                           |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |   |     |
| 10.1                           |   | 2002                Key Employee Stock Compensation Program of FCBI (included as Appendix                D to                the Bank's Definitive Schedule 14-A filed with the FDIC on March                22, 2002,                and incorporated herein by reference).                                                                                                                                                                                                                                                                                         |   |     |
|                           |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |   |     |
| 10.2                           |   | Amended                and Restated Trust Agreement among Florida Community Banks, Inc.                as                depositor, Wilmington Trust Company as property trustee, Wilmington                Trust                Company, as Delaware trustee, and Stephen L. Price, and Thomas V.                Ogletree                as administrators, dated as of June 21, 2002 (included as Exhibit                10.3 to                the Company's Form 10-Q for the quarter ended June 30, 2002, and                incorporated herein by reference). |   |     |
|                           |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |   |     |
| 10.3                           |   | Guarantee                Agreement between Florida Community Banks, Inc. as guarantor, and                Wilmington Trust Company as guarantee trustee, dated as of June 21,                2002                (included as Exhibit 10.4 to the Company's Form 10-Q for the quarter                ended                June 30, 2002, and incorporated herein by reference).                                                                                                                                                                                      |   |     |
|                           |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |   |     |
| 10.4                           |   | Junior                Subordinated Indenture between Florida Community Banks, Inc. (as                Company)                and Wilmington Trust Company (as trustee), dated as of June 21, 2002                (included as Exhibit 10.5 to the Company's Form 10-Q for the quarter                ended                June 30, 2002, and incorporated herein by reference).                                                                                                                                                                                     |   |     |
|                           |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |   |     |
| 10.5                           |   | Employee                Stock Ownership Plan (included as Exhibit 10.5 to the Company's Form                S-8                filed May 6, 2004, and incorporated herein by reference).                                                                                                                                                                                                                                                                                                                                                                             |   |     |
|                           |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |   |     |
| 10.6                           |   | Amended                and Restated Declaration of Trust, dated as of May 12, 2006, by and                among                the Company, as Depositor, Wells Fargo Bank, National Association,                as                Institutional Trustee and Delaware Trustee, and the Administrators                named                therein (included as Exhibit 10.3 to the Company's Form 8-K filed                with the                SEC on May 12, 2006, and incorporated herein by                reference).                                        |   |     |

**21**

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**FLORIDA          COMMUNITY BANKS,          INC.**

**June          30,          2007**

| **Exhibit                No.** |   | **Exhibit**                                                                                                                                                                                                                                                                                                                                                                                       |   | **Page** |
|--------------------------------|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|----------|
|                           |   |                                                                                                                                                                                                                                                                                                                                                                                              |   |     |
| 10.7                           |   | Guarantee                Agreement, dated as of May 12, 2006, by and between the Company,                as                Guarantor, and Wells Fargo Bank, National Association, as Guarantee                Trustee (included as Exhibit 10.2 to the Company's Form 8-K filed                with the                SEC on May 12, 2006, and incorporated herein by                reference). |   |     |
|                           |   |                                                                                                                                                                                                                                                                                                                                                                                              |   |     |
| 10.8                           |   | Indenture,                dated as of May 12, 2006, by and between the Company and Wells Fargo                Bank,                National Association, as Trustee (included as Exhibit 10.1 to the                Company's Form 8-K filed with the SEC on May 12, 2006, and incorporated                herein by reference).                                                                  |   |     |
|                           |   |                                                                                                                                                                                                                                                                                                                                                                                              |   |     |
| 10.9                           |   | Stipulation                and Consent Agreement dated May 25, 2007.                                                                                                                                                                                                                                                                                                                              |   |     |
|                           |   |                                                                                                                                                                                                                                                                                                                                                                                              |   |     |
| 11                             |   | Statement                re: computation of earnings per common share                                                                                                                                                                                                                                                                                                                             |   | 30       |
|                           |   |                                                                                                                                                                                                                                                                                                                                                                                              |   |     |
| 14                             |   | Code                of Ethics (included as Exhibit 99.1 to the Company's Form 8-K filed                on                March 3, 2003, and incorporated herein by reference.)                                                                                                                                                                                                                    |   |     |
|                           |   |                                                                                                                                                                                                                                                                                                                                                                                              |   |     |
| 31.1                           |   | Chief                Executive Officer - Certification of principal executive officer                pursuant                to the Exchange Act Rule 13(a)-14(a) or 15(d)-14(a).                                                                                                                                                                                                                 |   |  31 |
|                           |   |                                                                                                                                                                                                                                                                                                                                                                                              |   |     |
| 31.2                           |   | Chief                Financial Officer - Certification of principal financial officer                pursuant                to the Exchange Act Rule 13(a)-14(a) or 15(d)-14(a).                                                                                                                                                                                                                 |   |  32 |
|                           |   |                                                                                                                                                                                                                                                                                                                                                                                              |   |     |
| 32.1                           |   | Chief                Executive Officer - Certification pursuant to 18 U.S.C. Section 1350,                as                adopted pursuant to Section 906 of the Sarbanes-Oxley Act of                2002.                                                                                                                                                                                     |   |  33 |
|                           |   |                                                                                                                                                                                                                                                                                                                                                                                              |   |     |
| 32.2                           |   | Chief                Financial Officer - Certification pursuant to 18 U.S.C. Section 1350,                as                adopted pursuant to Section 906 of the Sarbanes-Oxley Act of                2002.                                                                                                                                                                                     |   |  34 |

**22**

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**FLORIDA            COMMUNITY BANKS,            INC.**

**June            30,            2007**

**SIGNATURES**

|                                                                                                                                                                                                                                                                                                                                                                    |                                                                                                                                                                                                                                                                                                                       |
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| By:  /s/                Stephen L.                Price                                                  | August                9,                2007                                              |
| Stephen                L. Price                                                                                                                                                                                                                                                                                                                                         | Date                                                                                                                                                                                                                                                                                                                       |
| President,                Chief Executive Officer                                                                                                                                                                                                                                                                                                                       |                                                                                                                                                                                                                                                                                                                       |
| And                Chairman of the Board of Directors                                                                                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                                                                                       |
|                                                                                                                                                                                                                                                                                                                                                                    |                                                                                                                                                                                                                                                                                                                       |
| /s/                Guy W.                Harris                                                                    | August                9,                2007                                              |
| Guy                W. Harris                                                                                                                                                                                                                                                                                                                                            | Date                                                                                                                                                                                                                                                                                                                       |
| Chief                Financial Officer                                                                                                                                                                                                                                                                                                                                  |                                                                                                                                                                                                                                                                                                                       |
|                                                                                                                                                                                                                                                                                                                                                                    |                                                                                                                                                                                                                                                                                                                       |

**23**

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