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 SEPTEMBER 30, 2005

[   ]     TRANSITION  REPORT  PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
          EXCHANGE ACT OF 1934 FOR THE  TRANSITION  PERIOD FROM  _____ TO _____

                       Commission File Number: 000-1170902


                          FLORIDA COMMUNITY BANKS, INC.
             (Exact name of registrant as specified in its charter)


                   Florida                                 35-2164765
--------------------------------------------  ----------------------------------
       (State or Other Jurisdiction of        (IRS Employer Identification No.)
       Incorporation or Organization)


 1400 North 15th Street, Immokalee, Florida                34142-2202
 ------------------------------------------   ----------------------------------
   (Address of Principal Executive Office)            (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)


Indicate by check mark whether the registrant (1) has filed all reports required
   to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934
 during the preceding 12 months (or for such shorter period that the registrant
   was required to file suchreports), and (2) has been subject to such filing
                  requirements for the past 90 days. Yes  X       No
                                                        -----        -----


   Indicate by check mark whether the registrant is an accelerated filer (as
                      defined in Exchange Act Rule 12b-2):
                         Yes       X    No
                                ------       ------


Indicate the number of shares outstanding of each of the issuer's classes of
common stock, as of the latest practicable date.


 Common Stock, $0.01 par              Outstanding at November 1, 2005: 5,493,517


<PAGE>




                                    Form 10-Q
                          FLORIDA COMMUNITY BANKS, INC.
                               September 30, 2005


<TABLE>
<CAPTION>

                                TABLE OF CONTENTS



                                                                                                           Page No.
Part I - Financial Information

  Item 1 - Consolidated Financial Statements (Unaudited)


           Consolidated Statements of Financial Condition as of September 30, 2005
<S>                        <C> <C>                                                                             <C>
              and December 31, 2004.......................................................................     3

           Consolidated Statements of Income For The Three Months and Nine Months Ended
              September 30, 2005 and 2004.................................................................     4

           Consolidated Statement of Shareholders' Equity For The Nine Months
              Ended September 30, 2005....................................................................     5

           Consolidated Statements of Cash Flows For The Nine Months
              Ended September 30, 2005 and 2004...........................................................     6

           Notes to Consolidated Financial Statements.....................................................     7

  Item 2 - Management's Discussion and Analysis of
           Financial Condition and Results of Operations..................................................    13

  Item 3 - Quantitative and Qualitative Disclosures About Market Risk.....................................    23

  Item 4 - Controls and Procedures........................................................................    24

Part II - Other Information

  Item 1 - Legal Proceedings..............................................................................    25

  Item 5 - Other Information..............................................................................    25

  Item 6 - Exhibits.......................................................................................    26

Signatures
</TABLE>


                                       2

<PAGE>




PART I - FINANCIAL INFORMATION
Item 1 - Financial Statements

                          FLORIDA COMMUNITY BANKS, INC.
                 CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION
              September 30, 2005 (Unaudited) and December 31, 2004
<TABLE>
<CAPTION>

                                                                                  September 30,
                                                                                      2005           December 31,
                                                                                   (Unaudited)           2004
Assets
<S>                                                                             <C>               <C>
   Cash and due from banks...................................................   $     22,246,224  $      18,665,823
   Interest-bearing deposits with banks......................................          3,018,970            948,255
   Federal funds sold........................................................            257,000                 --
                                                                                ----------------  -----------------
       Cash and Cash Equivalents.............................................         25,522,194         19,614,078

Securities available-for-sale................................................          5,209,265          4,935,077
Securities held-to-maturity, fair value of $62,146,832 in 2005
   and $68,991,864 in 2004...................................................         63,168,882         69,330,160

Loans, net of unearned income................................................        743,067,522        552,509,155
Allowance for loan losses....................................................         (9,931,364)        (9,791,269)
                                                                                ----------------  -----------------
       Net Loans.............................................................        733,136,158        542,717,886

Premises and equipment, net..................................................         13,765,924         13,345,071
Accrued interest.............................................................          3,999,840          3,289,678
Foreclosed real estate.......................................................          2,203,435          2,203,435
Deferred taxes, net..........................................................          4,986,739          4,313,485
Other assets.................................................................          1,581,580          1,115,434
                                                                                ----------------  -----------------
       Total Assets..........................................................   $    853,574,017  $     660,864,304
                                                                                ================  =================

Liabilities and Shareholders' Equity

Liabilities
   Noninterest-bearing.......................................................   $    126,338,518  $     113,217,461
   Interest-bearing..........................................................        561,003,669        407,367,970
                                                                                ----------------  -----------------
       Total Deposits........................................................        687,342,187        520,585,431

Short-term borrowings........................................................         24,650,000         14,057,000
Accrued interest.............................................................          2,291,250          1,407,563
Deferred compensation........................................................            289,628            313,622
FHLB advances................................................................         60,000,000         60,000,000
Subordinated debentures......................................................         10,310,000         10,310,000
Other liabilities............................................................          1,994,134          1,262,989
                                                                                ----------------  -----------------
       Total Liabilities.....................................................        786,877,199        607,936,605

Shareholders' Equity
   Common stock - par value $.01 per share, 10,000,000 shares authorized,
     5,493,517 shares issued and outstanding at at September 30, 2005; 5,423,185
     shares issued and outstanding
     at December 31, 2004....................................................             54,935             54,232
   Paid-in capital...........................................................         18,360,747         17,146,495
   Retained earnings.........................................................         48,281,136         35,726,972
                                                                                ----------------  -----------------
       Total Shareholders' Equity............................................         66,696,818         52,927,699
                                                                                ----------------  -----------------

Total Liabilities and Shareholders' Equity...................................   $    853,574,017  $     660,864,304
                                                                                ================  =================
</TABLE>


                 See notes to consolidated financial statements
                                        3

<PAGE>


                          FLORIDA COMMUNITY BANKS, INC.
                        CONSOLIDATED STATEMENTS OF INCOME
         Three Months and Nine Months Ended September 30, 2005 and 2004
                                   (Unaudited)

<TABLE>
<CAPTION>


                                                     Three Months Ended                  Nine Months Ended
                                                        September 30,                      September 30,
                                               ------------------------------    ----------------------------------
                                                   2005              2004             2005               2004
                                               -------------    -------------    --------------    ----------------

Interest Income
<S>                                            <C>              <C>              <C>               <C>
   Interest and fees on loans.............     $  14,299,095    $   9,649,473    $   38,067,635    $     27,443,900
   Interest and dividends.................           698,747          398,834         2,150,596           1,145,186
   Interest on federal funds sold
     and other interest income............           114,694           92,470           295,384             205,415
                                               -------------    -------------    --------------    ----------------
       Total Interest Income..............        15,112,536       10,140,777        40,513,615          28,794,501
                                               -------------    -------------    --------------    ----------------

Interest Expense
   Interest on deposits...................         3,691,790        1,774,026         9,146,828           5,173,556
   Interest on borrowed funds.............           885,508          508,287         2,422,757           1,525,347
                                               -------------    -------------    --------------    ----------------
       Total Interest Expense.............         4,577,298        2,282,313        11,569,585           6,698,903
                                               -------------    -------------    --------------    ----------------

Net Interest Income.......................        10,535,238        7,858,464        28,944,030          22,095,598

Provision for loan losses.................            32,000          750,000            32,000           1,250,000
                                               -------------    -------------    --------------    ----------------

Net Interest Income After
   Provision for Loan Losses..............        10,503,238        7,108,464        28,912,030          20,845,598

Noninterest Income
   Customer service fees..................           591,004          453,665         1,799,310           1,413,583
   Real estate rental income .............            19,770           20,406            59,862              61,898
   Other noninterest income...............           236,407          184,486           890,604             613,918
   Gain on sale of fixed assets...........                --               --            21,216             414,508
                                               --------------   -------------    --------------    ----------------
       Total Noninterest Income...........           847,181          658,557         2,770,992           2,503,907
                                               -------------    -------------    --------------    ----------------

Noninterest Expenses
   Salaries and employee benefits.........         2,150,627        1,937,230         5,875,199           5,853,628
   Occupancy and equipment expense........           529,997          432,407         1,499,450           1,287,218
   Other noninterest expenses.............           672,890          592,801         2,025,376           1,697,674
                                               -------------    -------------    --------------    ----------------
       Total Noninterest Expenses.........         3,353,514        2,962,438         9,400,025           8,838,520
                                               -------------    -------------    --------------    ----------------

Income before income taxes................         7,996,905        4,804,583        22,282,997          14,510,985
Provision for income tax expense..........         3,079,595        1,804,852         8,584,351           5,459,687
                                               -------------    -------------    --------------    ----------------

Net Income................................     $   4,917,310    $   2,999,731    $   13,698,646    $      9,051,298
                                               =============    =============    ==============    ================

Weighted average common shares
   outstanding - basic....................         5,493,517        5,423,593         5,466,905           5,418,667
Weighted average common shares
   outstanding - diluted..................         5,556,715        5,490,490         5,530,231           5,480,868

Basic earnings per common share...........     $       0.90     $        0.55    $         2.51    $          1.67
Diluted earnings per common share.........             0.88              0.55              2.48               1.65

Cash dividends declared
   per common share.......................             0.21              0.17              0.21               0.17

</TABLE>


                 See notes to consolidated financial statements
                                        4

<PAGE>


                          FLORIDA COMMUNITY BANKS, INC.
                 CONSOLIDATED STATEMENT OF SHAREHOLDERS' EQUITY
                      Nine Months Ended September 30, 2005
                                   (Unaudited)

<TABLE>
<CAPTION>



                                                 Common            Paid-in          Retained
                                                  Stock            Capital          Earnings             Total
                                               ------------    -------------     --------------    ----------------

<S>      <C> <C>                               <C>             <C>               <C>               <C>
December 31, 2004.........................     $      54,232   $   17,146,495    $   35,726,972    $     52,927,699

Sale of common stock......................               703        1,161,530                --           1,162,233

Cash dividends - common
   $0.21 per share........................                --               --        (1,144,482)         (1,144,482)

Compensation effect of stock options......                --           52,722                --              52,722

Net income - nine months ended
   September 30, 2005.....................                --               --        13,698,646          13,698,646
                                               -------------   --------------    --------------    ----------------

Balance at September 30, 2005.............     $      54,935   $   18,360,747    $   48,281,136    $     66,696,818
                                               =============   ==============    ==============    ================

</TABLE>



                 See notes to consolidated financial statements
                                        5

<PAGE>


                          FLORIDA COMMUNITY BANKS, INC.
                      CONSOLIDATED STATEMENTS OF CASH FLOWS
                  Nine Months Ended September 30, 2005 and 2004
                                   (Unaudited)
<TABLE>
<CAPTION>


                                                                                           Nine Months
                                                                                        Ended September 30,
                                                                                      2005               2004
                                                                                ----------------  -----------------

Operating Activities
<S>                                                                             <C>               <C>
   Net Income................................................................   $     13,698,646  $       9,051,298
   Adjustments to reconcile net income to net cash
     provided by operating activities:
       Provision for loan losses.............................................             32,000          1,250,000
       Depreciation, amortization, and accretion, net........................            888,030            682,530
       Increase in accrued interest receivable...............................           (710,162)          (257,667)
       Increase in accrued interest payable..................................            883,687            580,394
       Increase in deferred tax asset, net...................................           (673,254)          (525,351)
       Gain on sale of fixed assets..........................................            (21,216)          (414,508)
       Other, net............................................................            338,316            829,488
                                                                                ----------------  -----------------
       Net Cash Provided By Operating Activities.............................         14,436,047         11,196,184
                                                                                ----------------  -----------------

Investing Activities
   Net decrease (increase) in held-to-maturity securities....................          5,892,335         (6,050,740)
   Net increase in available-for-sale securities.............................           (274,188)                --
   Loans made to customers, net of repayments................................       (190,535,367)       (74,630,423)
   Purchase of fixed assets, net.............................................         (1,098,355)          (594,571)
   Proceeds from the sale of fixed assets....................................             41,000            544,677
   Net decrease in other real estate owned...................................                 --            241,800
                                                                                ----------------  -----------------
       Net Cash Used In Investing Activities.................................       (185,974,575)       (80,489,257)
                                                                                ----------------  -----------------

Financing Activities
   Net increase in noninterest-bearing deposits..............................         13,121,057         17,739,003
   Net increase in interest-bearing deposits.................................        153,635,699         42,728,917
   Dividends paid............................................................         (1,144,482)          (941,596)
   Increase in short-term borrowings.........................................         10,593,000          7,500,000
   Increase (decrease) in other debt.........................................             26,415            (21,698)
   Sale of common stock......................................................          1,162,233            465,202
   Compensation associated with the issuance of options, net of tax..........             52,722                 --
                                                                                ----------------  -----------------
       Net Cash Provided By Financing Activities.............................        177,446,644         67,469,828
                                                                                ----------------  -----------------

Net Increase (Decrease) in Cash and Cash Equivalents.........................          5,908,116         (1,823,245)

Cash and Cash Equivalents at Beginning of Period.............................         19,614,078         30,519,849
                                                                                ----------------  -----------------

Cash and Cash Equivalents at End of Period...................................   $     25,522,194  $      28,696,604
                                                                                ================  =================

</TABLE>


                 See notes to consolidated financial statements
                                        6

<PAGE>



                          FLORIDA COMMUNITY BANKS, INC.
                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
                               September 30, 2005
                                   (Unaudited)




Note A - Basis of Presentation

Florida  Community  Banks,  Inc.  ("FCBI" or the  "Company")  is a bank  holding
company, which owns all of the common stock of Florida Community Bank ("Bank" or
"FCB") and a special  purpose  business trust organized to issue Trust Preferred
Securities.  The  special  purpose  business  trust is not  consolidated  in the
financial  statements  that are  included  elsewhere  herein.  The  accompanying
unaudited  consolidated  financial  statements  have been prepared in accordance
with generally accepted accounting  principles for interim financial information
and  with the  instructions  to Form  10-Q and  Article  10 of  Regulation  S-X.
Accordingly,  they do not include all of the information and footnotes  required
by generally accepted accounting  principles for complete financial  statements.
In the opinion of management,  all adjustments  (consisting of normal  recurring
accruals)  considered  necessary  for a fair  presentation  have been  included.
Operating  results for the nine-month  period ended  September 30, 2005, are not
necessarily  indicative  of the results that may be expected for the year ending
December 31, 2005

The statement of financial condition at December 31, 2004, has been derived from
the audited  financial  statements at that date, but does not include all of the
information and footnotes required by generally accepted  accounting  principles
for complete financial statements.

For further information, refer to the financial statements and footnotes thereto
for Florida Community Banks, Inc. for the year ended December 31, 2004, included
in Form 10-K filed in March 2005.

Some  items  in  the  September  30,  2004,  financial   information  have  been
reclassified to conform to the September 30, 2005, presentation.

Note B - Critical Accounting Policies

Use of Estimates

The preparation of financial statements in conformity with accounting principles
generally  accepted in the United States of America requires  management to make
estimates  and  assumptions  that  affect  the  reported  amounts  of assets and
liabilities  and disclosure of contingent  assets and liabilities at the date of
the  financial  statements  and the  reported  amounts of revenues  and expenses
during the reporting period. Actual results could differ from those estimates.

The  determination  of the adequacy of the allowance for loan losses is based on
estimates  that are  particularly  susceptible  to  significant  changes  in the
economic environment and market conditions. In connection with the determination
of the estimated losses on loans,  management obtains independent appraisals for
significant collateral. While management uses available information to recognize
losses on loans,  further  reductions  in the  carrying  amounts of loans may be
necessary based on changes in local economic conditions. In addition, regulatory
agencies, as an integral part of their examination process,  periodically review
the estimated  losses on loans.  Such agencies may require the Bank to recognize
additional losses based on their judgments about  information  available to them
at the time of their  examination.  Because of these  factors,  it is reasonably
possible  that the estimated  losses on loans may change  materially in the near
term.  However,  the amount of the change that is reasonably  possible cannot be
estimated.


                                       7

<PAGE>

                         FLORIDA COMMUNITY BANKS, INC.
                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
                               September 30, 2005
                                   (Unaudited)

Note C - Income Taxes

The  effective  tax rates of  approximately  38.5% and 37.6% for the nine months
ended  September 30, 2005 and 2004 are more than the federal  statutory tax rate
for corporations principally because of the effect of state income taxes, net of
federal tax benefit.


Note D - Securities

The Company  applies the accounting and reporting  requirements  of Statement of
Financial  Accounting  Standards No. 115,  Accounting for Certain Investments in
Debt and Equity Securities ("SFAS No. 115").  This  pronouncement  requires that
all  investments in debt  securities be classified as either  "held-to-maturity"
securities,  which are reported at amortized cost; trading securities, which are
reported at fair value,  with unrealized  gains and losses included in earnings;
or  "available-for-sale"  securities,  which are  reported at fair  value,  with
unrealized  gains and losses  excluded  from earnings and reported in a separate
component of shareholders' equity (net of deferred tax effect).

The carrying  amounts of securities as shown in the  consolidated  statements of
financial  condition and their approximate fair values at September 30, 2005 and
December 31, 2004 were as follows:
<TABLE>
<CAPTION>

                                                                      Gross            Gross           Estimated
                                                  Amortized        Unrealized       Unrealized           Fair
                                                    Cost              Gains           Losses             Value
                                               ---------------  ---------------   ---------------  ----------------

Securities Available-for-Sale

September 30, 2005:
<S>                                            <C>              <C>                <C>               <C>
   Equity securities........................   $     5,209,265  $            --   $            --  $      5,209,265
                                               ===============  ===============   ===============  ================

December 31, 2004:
   Equity securities........................   $     4,935,077  $            --   $            --  $      4,935,077
                                               ===============  ===============   ===============  ================


Securities Held-to-Maturity

September 30, 2005:
   U. S. Government and
     agency securities......................   $     1,997,235  $             --  $        37,235  $      1,960,000
   Mortgage-backed securities...............        61,171,647            47,815        1,032,630        60,186,832
                                               ---------------  ----------------  ---------------  ----------------

                                               $    63,168,882  $         47,815  $     1,069,865  $     62,146,832
                                               ===============  ================  ===============  ================

December 31, 2004:
   U. S. Government and
     agency securities......................   $     1,996,586  $             --  $         9,186  $      1,987,400
   Mortgage-backed securities...............        67,333,574            96,466          425,576        67,004,464
                                               ---------------  ----------------  ---------------  ----------------

                                               $    69,330,160  $         96,466  $       434,762  $     68,991,864
                                               ===============  ================  ===============  ================
</TABLE>


                                       8

<PAGE>

                         FLORIDA COMMUNITY BANKS, INC.
                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
                               September 30, 2005
                                   (Unaudited)

Note D - Securities - continued

Management evaluates securities for other-than-temporary  impairment at least on
a quarterly  basis, and more frequently when economic or market concerns warrant
such evaluation. Consideration is given to (1) the length of time and the extent
to which the fair value has been less than cost, (2) the financial condition and
near-term prospects of the issuer, and (3) the intent and ability of the Company
to retain its investment in the issuer for a period of time  sufficient to allow
for any anticipated recovery in fair value.

The following  tables show our  investments'  gross  unrealized  losses and fair
value,  aggregated  by  investment  category and length of time that  individual
securities have been in a continuous  unrealized loss position, at September 30,
2005 and December 31, 2004.


<TABLE>
<CAPTION>

September 30, 2005:
                                   Less Than 12 Months           12 Months or More                 Total
                               ---------------------------  --------------------------  ---------------------------
                                    Fair       Unrealized       Fair        Unrealized       Fair       Unrealized
   Description of Securities        Value        Losses         Value         Losses         Value        Losses
-----------------------------  -------------   -----------  -------------  -----------  -------------   -----------

U.S. Government and
<S>                            <C>             <C>          <C>             <C>           <C>             <C>
   agency securities.........  $   1,960,000   $    37,235  $          --  $        --  $   1,960,000   $    37,235
Mortgage-backed
   securities................     32,716,707       530,740     23,263,544      501,890     55,980,251     1,032,630
                               -------------   -----------  -------------  -----------  -------------   -----------

     Total Temporarily
     Impaired Securities.....  $  34,676,707   $   567,975  $  23,263,544  $   501,890  $  57,940,251   $ 1,069,865
                               =============   ===========  =============  ===========  =============   ===========

</TABLE>

At September 30, 2005 the Company had 10 individual  securities  that were in an
unrealized  loss  position  or  impaired  for the  timeframe  12  months or more
indicated above. All of these investment  positions'  impairments are deemed not
to be other-than-temporary impairments. Substantially all of these positions are
backed by 1-4 family  mortgages and the unrealized  loss of these  securities is
based solely on interest rate changes and not due to credit ratings.  Management
intends to hold these securities until maturity.
<TABLE>
<CAPTION>

December 31, 2004:
                                   Less Than 12 Months           12 Months or More                 Total
                               ---------------------------  --------------------------  ---------------------------
                                    Fair       Unrealized       Fair        Unrealized       Fair        Unrealized
   Description of Securities        Value        Losses         Value         Losses         Value         Losses
-----------------------------  -------------   -----------  -------------  -----------  -------------   -----------

U.S. Government and
<S>                            <C>             <C>          <C>             <C>           <C>             <C>
   agency securities.........  $   1,987,400   $     9,186  $          --  $        --  $   1,987,400   $     9,186
Mortgage-backed
   securities................     21,480,599       274,039      8,030,582      151,537     29,511,181       425,576
                               -------------   -----------  -------------  -----------  -------------   -----------

     Total Temporarily
     Impaired Securities.....  $  23,467,999   $   283,225  $   8,030,582  $   151,537  $  31,498,581   $   434,762
                               =============   ===========  =============  ===========  =============   ===========

</TABLE>

At December 31, 2004,  the Company had 3 individual  securities  that were in an
unrealized  loss  position  or  impaired  for the  timeframe  12  months or more
indicated above. All of these investment  positions'  impairments are deemed not
to be other-than-temporary impairments. Substantially all of these positions are
backed by 1-4 family  mortgages  and the  related  securities  have  experienced
volatility in their market prices as a result of the  fluctuating  home mortgage
interest  rate  environment  during  2004.  The  Company  does  not  expect  any
other-than-temporary impairments to develop related to the investment positions.

                                       9

<PAGE>

                         FLORIDA COMMUNITY BANKS, INC.
                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
                               September 30, 2005
                                   (Unaudited)

Note E - Shareholders' Equity

In October  2005,  the Company  declared a stock split of 1.2 shares for each of
the Company's outstanding shares of common stock. The effect of this stock split
has been retroactively reflected in the financial statements.  All references to
weighted  average  shares  outstanding  and per share  amounts  included  in the
accompanying  financial  statements  and notes  reflect  the stock split and its
retroactive effects.


Note F - Segment Information

All of the Company's offices offer similar products and services, are located in
the same geographic  region, and serve the same customer segments of the market.
As a  result,  management  considers  all  units as one  operating  segment  and
therefore  feels  that the basic  financial  statements  and  related  footnotes
provide details related to segment reporting.


Note G - Stock-Based Compensation

During 2002 the Company adopted a Key Employee Stock Compensation  Program under
which  statutory and  non-statutory  stock options may be granted to certain key
employees.  The  options  granted  provide for these key  employees  to purchase
shares of the Company's  $0.01 par value common stock at no less than the market
value at the dates of grant.  The options  granted may be  exercised  within ten
years from the dates of grant  subject to vesting  requirements.  Prior to 2003,
the  Company  accounted  for this plan  under the  recognition  and  measurement
provisions of Accounting  Principles Board ("APB") No. 25,  Accounting for Stock
Issued to Employees, and the related Interpretations. Effective January 1, 2003,
the  Company  adopted  the fair value  recognition  provisions  of SFAS No. 123,
Accounting for Stock-Based Compensation, as provided by SFAS No. 148, Accounting
for Stock-Based  Compensation - Transition and  Disclosure.  SFAS No. 148 allows
for a prospective  method of adoption of SFAS No. 123, whereas,  the Company can
prospectively account for the current expense of options granted during 2003 and
thereafter.  The  following  table  illustrates  the  effect on net  income  and
earnings  per share as if the fair value  based  method had been  applied to all
outstanding and unearned awards in each period.

<TABLE>
<CAPTION>

The Company's actual and pro forma information follows:
                                                                                           Nine Months
                                                                                        Ended September 30,
                                                                                      2005               2004
                                                                                ----------------  -----------------
Net Income

<S>                                                                             <C>               <C>
Net income as reported.......................................................   $     13,698,646  $       9,051,298

Add: Stock-based compensation expense included in
   net income, net of related income tax benefit.............................             30,203              7,024

Deduct: Total stock-based employee compensation
   expense determined under fair value based method
   for all awards, net of tax................................................            (33,038)           (12,859)
                                                                                ----------------  -----------------

Pro forma net income.........................................................   $     13,695,811  $       9,045,463
                                                                                ================  =================
</TABLE>

                                       10


<PAGE>

                         FLORIDA COMMUNITY BANKS, INC.
                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
                               September 30, 2005
                                   (Unaudited)

<TABLE>
<CAPTION>

Note G - Stock-Based Compensation - Continued
                                                                                           Nine Months
                                                                                        Ended September 30,
                                                                                      2005               2004
                                                                                ----------------  -----------------

Basic earnings per share:

<S>                                                                             <C>               <C>
As Reported..................................................................   $           2.51  $           1.67
                                                                                ================  ================

Pro forma....................................................................   $           2.51  $           1.67
                                                                                ================  ================

Diluted earnings per share:

As Reported..................................................................   $           2.48  $           1.65
                                                                                ================  ================

Pro forma....................................................................   $           2.48  $           1.65
                                                                                ================  ================
</TABLE>

The following information relates to options outstanding under the plan at
September 30, 2005.

<TABLE>
<CAPTION>

                                                                                         Weighted
                                                         Number of                        Average      Number of
                                                           Options      Expiration    Contractual        Options
                                                         Outstanding       Date         Life-Years     Exercisable

10/25/01 Options with an Exercise
<S>      <C>                                                   <C>       <C>   <C>           <C>             <C>
Price of $8.68.......................................          74,650    10/25/11            6.07            59,720
01/17/03 Options with an Exercise
Price of $11.58......................................           5,184    01/17/13            7.30             3,110
12/22/03 Options with an Exercise
Price of $16.67......................................          11,520    12/22/13            8.23             4,608
09/16/04 Options with an Exercise
Price of $19.10......................................          51,120     9/16/14            8.97            20,448
                                                       --------------                                   -----------

Total................................................         142,474                        7.33            87,886
                                                       ==============                                   ===========
</TABLE>

The following table presents the activity in the plan for the nine months ended
September 30, 2005 and 2004:
<TABLE>
<CAPTION>

                                                                      Nine Months Ended September 30,
                                                                    2005                          2004
                                                       -----------------------------  -----------------------------
                                                                         Weighted                       Weighted
                                                                          Average                        Average
                                                                         Exercise                       Exercise
                                                           Shares         Price           Shares         Price
                                                       --------------  -------------  -------------  --------------

<S>                    <C>                                    <C>      <C>                  <C>      <C>
Outstanding at January 1,............................         204,394  $       13.62        125,914  $        10.11
Granted..............................................              --           0.00         78,480           19.10
Forfeited............................................         (14,988)         16.74             --            0.00
Expired..............................................         (46,932)         13.98             --            0.00
                                                       --------------                 -------------
Outstanding at September 30,.........................         142,474          13.17        204,394           13.56
                                                       ==============                 =============
Exercisable at September 30,.........................          87,886          11.63         61,379            8.88
</TABLE>

                                       11

<PAGE>

                         FLORIDA COMMUNITY BANKS, INC.
                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
                               September 30, 2005
                                   (Unaudited)

Note H - Commitments and Contingencies

In the normal course of business the Company  enters into  commitments to extend
credit,  which  are  agreements  to lend to  customers  as long as  there  is no
violation of any condition  established in the contract.  Commitments  generally
have fixed expiration dates or other termination clauses and generally require a
payment of fees.  Since  commitments  may expire  without being drawn upon,  the
total reported above do not necessarily represent expected future cash flows.

Standby letters of credit are commitments issued by the Company to guarantee the
performance  of a customer to a third  party.  These  guarantees  are  primarily
issued  to  support  public  and  private  borrowing   arrangements,   including
commercial  paper,  bond  financing  and  similar  transactions,  and  expire in
decreasing  amounts with terms  ranging from one to four years.  The credit risk
involved in issuing  letters of credit is essentially  the same as that involved
in extending loan facilities to customers.

The following represents the Company's commitments to extend credit and standby
letters of credit as of September 30, 2005 and December 31, 2004:

<TABLE>
<CAPTION>


                                                                                  September 30,   December 31,
                                                                                      2005               2004
                                                                                ----------------  -----------------

<S>                                                                             <C>               <C>
Commitments to extend credit.................................................   $    217,671,000  $     133,865,000

Standby and commercial letters of credit.....................................          4,284,000          3,715,000
                                                                                ----------------  -----------------

Total commitments and contingencies..........................................   $    221,955,000  $     137,580,000
                                                                                ================  =================
</TABLE>

Florida  Community  Bank,  as  part  of  its  retail  mortgage  loan  production
activities, routinely enters into short-term commitments to originate fixed rate
loans.  Most of the loans will be sold to third party  correspondent  banks upon
closing.  For those loans,  the Company  enters into  individual  forward  sales
commitments at the same time the commitment to originate is finalized. While the
forward  sales  commitments  function  as  an  economic  hedge  and  effectively
eliminate  the  Company's  financial  risk of rate changes  during the rate lock
period,  both the  commitment to originate  mortgage loans that will be sold and
the  commitment to sell the mortgage loans are  derivatives,  the fair values of
which are essentially equal and offsetting. The fair values are calculated based
on changes in market  interest  rates after the  commitment  date.  The notional
amounts of these mortgage loan  origination  commitments and the related forward
sales  commitments  were  immaterial  at  September  30,  2005.  The  unrealized
gains/losses  of the  origination  and sales  commitments  were not  material at
September 30, 2005.



              [The remainder of this page intentionally left blank]

                                       12

<PAGE>


                          FLORIDA COMMUNITY BANKS, INC.
                               September 30, 2005


Item 2 - Management's Discussion and Analysis of Financial Condition
         and Results of Operations

This  discussion  is  intended  to  assist  an  understanding  of the  Company's
financial  condition and results of operations.  This analysis should be read in
conjunction  with  the  consolidated  financial  statements  and  related  notes
appearing in Item 1 of the  September  30, 2005,  Form 10-Q,  and  "Management's
Discussion  and  Analysis of  Financial  Condition  and Results of  Operations,"
appearing  in the  Company's  Annual  Report  on Form  10-K for the  year  ended
December 31, 2004.

Forward-Looking Information

Certain  statements  contained in this Quarterly  Report on Form 10-Q, which are
not historical  facts,  are  forward-looking  in nature and relate to trends and
events that may affect the  Company's  future  financial  position and operating
results. In addition, the Company,  through its senior management,  from time to
time makes  forward-looking  public  statements  concerning its expected  future
operations  and  performance  and  other   developments.   All   forward-looking
statements  are made  pursuant  to the safe  harbor  provisions  of the  Private
Securities  Litigation  Reform Act of 1995. The terms  "expect,"  "anticipates,"
"intend" and "project" and similar words or expression  are intended to identify
forward-looking  statements.  In  addition to risks and  uncertainties  that may
affect  operations,  performance,  growth  projections  and the  results  of the
Company's business,  which include,  but are not limited to, fluctuations in the
economy,  the  relative  strength and  weakness in the  commercial  and consumer
sector and in the real estate market,  the actions taken by the Federal  Reserve
Board for the purpose of managing  the economy,  interest  rate  movements,  the
impact of competitive products,  services and pricing, timely development by the
Company of  technology  enhancements  for its  products and  operating  systems,
legislation and similar matters,  the Company's future operations,  performance,
growth  projections  and  results  will  depend on its ability to respond to the
challenges  associated  with a weakening  economy,  particularly  in real estate
development,  which is  prominent  in the  Company's  primary  market.  Although
management  of the Company  believes  that the  expectations  reflected  in such
forward-looking  statements are  reasonable,  it can give no assurance that such
expectations will prove to be correct.  Prospective investors are cautioned that
any such  forward-looking  statements are not guaranties of future  performance,
involve risks and  uncertainties,  and that actual results may differ materially
from those contemplated by such forward-looking statements. The Company makes no
commitment  to update any  forward-looking  statement  or to disclose any facts,
events or  circumstances  that may affect the  accuracy  of any  forward-looking
statement.


FINANCIAL CONDITION

September 30, 2005 compared to December 31, 2004

The Bank continued its operations  concentrating  in the origination of loans in
southwestern  and other areas of Florida.  As discussed more fully below,  loans
increased 34.5% during the first nine months of 2005,  while equity capital grew
at slightly  lower rate (26.0%).  No significant  changes in operating  goals or
policies occurred during 2005.

                                       13

<PAGE>

                         FLORIDA COMMUNITY BANKS, INC.
                               September 30, 2005

Loans

Loans comprised the largest single  category of the Company's  earning assets on
September 30, 2005. Loans, net of unearned income, totaled 87.1% of total assets
at  September  30, 2005  compared to 83.6% of total assets at December 31, 2004.
During the first  nine  months of 2005,  loans  increased  approximately  $190.6
million,  a relatively  large increase  compared to the $74.6 million during the
same  period  in 2004.  The rapid  influx of  population  to  southwest  Florida
continued  to  influence  the  demand  for  real  estate   loans,   particularly
construction and development  loans; also, due to the Bank's growth, the size of
the loans has also increased significantly.

Investment Securities and Other Earning Assets

The investment securities portfolio is used to provide a source of liquidity, to
serve as collateral for borrowings  and to secure certain  government  deposits.
Federal  funds sold are the most liquid  earning asset and is used to manage the
daily cash position of the Company.  Investment  securities and other short-term
investments  did not change  significantly  compared  to  December  31, 2004 and
totaled $68.6 million at September 30, 2005.

Asset Quality

From December 31, 2004 to September 30, 2005, the Bank's asset quality  remained
satisfactory  as measured by three key ratios.  The ratio of loan loss allowance
to total  nonperforming  assets (defined as nonaccrual loans,  loans past due 90
days or greater,  restructured  loans,  nonaccruing  securities,  and other real
estate) improved from 99.5% to 318.5%. The percentage of nonperforming assets to
total assets improved from 1.49% to 0.37%,  and the percentage of  nonperforming
loans to total loans improved from 1.78% to 0.42%. These ratios were affected by
a $6.7 million decrease in  nonperforming  loans during the first nine months of
2005,  which was primarily due to the reduction in the number of loans that were
temporarily  restructured  due to the  hurricanes  in  2004  and  which  are now
performing in accordance with their original  agreements.  As a percent of loans
the allowance was 1.77% at December 31, 2004, and 1.34% at September 30, 2005.

During the first nine  months of 2005,  charge-offs  totaled  $27  thousand  and
recoveries $136 thousand.

Deposits

Total deposits of $687.3 million at September 30, 2005,  represented an increase
of $166.8  million  (32.0%)  from total  deposits of $520.6  million at year-end
2004. The increase was attributable to the growth in certificates of deposits of
$101.2  million,  of which $99 million  were  brokered;  $40.9  million in money
market  accounts,  $13.1 million in  noninterest  checking,  $7.1 million in now
accounts and $4.5 million in savings accounts.  At September 30, 2005,  brokered
certificates  of  deposit  totaled   approximately  $253  million  and  internet
certificates of deposit totaled approximately $13 million.

Shareholders' Equity

Shareholders' equity increased $13.7 million from December 31, 2004 to September
30, 2005,  due to the retention of earnings  $12.6 million ($13.7 million in net
income less $1.1 in cash dividends paid) and the sale of 58,610 shares of common
stock for $1.2 million  (19,500 shares to the Employee Stock  Ownership Plan and
39,110 in stock options that were exercised). On September 30, 2005, the Company
and the


                                       14
<PAGE>

                         FLORIDA COMMUNITY BANKS, INC.
                               September 30, 2005

Bank exceeded the regulatory  minimums and qualified as  well-capitalized  under
the  regulations of the Federal Reserve  System,  the State of Florida,  and the
FDIC.

Liquidity Management

Liquidity  is  defined  as the  ability  of a  company  to  convert  assets  (by
liquidating or pledging for borrowings)  into cash or cash  equivalents  without
significant loss.  Liquidity management involves maintaining the ability to meet
the  day-to-day  cash  flow  requirements  of its  customers,  whether  they are
depositors wishing to withdraw funds or borrowers  requiring funds to meet their
credit needs. Without proper liquidity management, the Company would not be able
to  perform  the  primary  function  of  a  financial  intermediary  and  would,
therefore,  not  be  able  to  meet  the  production  and  growth  needs  of the
communities it serves.

The primary  function of asset and  liability  management  is not only to ensure
adequate  liquidity in order to meet the needs of its customer base, but also to
maintain  an  appropriate   balance   between   interest-sensitive   assets  and
interest-sensitive  liabilities so that the Company can also meet the investment
requirements of its  shareholders.  Daily  monitoring of the sources and uses of
funds  is  necessary  to  maintain  an  acceptable   position  that  meets  both
requirements. To the Company, both assets and liabilities are considered sources
of liquidity funding and both are, therefore, monitored on a daily basis.

The asset portion of the balance sheet provides liquidity primarily through loan
principal repayments and maturities of investment securities.  Loans that mature
in one year or less equaled  approximately  $286 million at September  30, 2005,
and  investment  security  repayments are expected to total  approximately  $7.1
million over the next year.

The liability  portion of the balance sheet provides  liquidity through deposits
to various customers' interest-bearing and noninterest-bearing deposit accounts,
brokered and internet  certificated of deposit.  At September 30, 2005, the bank
had funds  available  through the purchase of federal  funds from  correspondent
commercial  banks up to an  aggregate  of $29.4  million;  the  Company had $4.9
million  available through a separate line with a commercial bank. The Bank also
has  available a credit line with the Federal Home Loan Bank of Atlanta of up to
15% of assets (approximately $128 million) of which $68 million is available and
unused.  At  September  30,  2005,  the  bank  had  unused  collateral  totaling
approximately $23 million,  thus limiting the advances potentially  available to
that amount.

Capital Resources

A strong capital position is vital to the continued profitability of the Company
and the Bank because it promotes depositor and investor  confidence and provides
a solid  foundation  for future  growth of the  organization.  The  Company  has
provided a significant portion of its capital requirements through the retention
of earnings.

On June 21, 2002,  FCBI Capital  Trust I ("FCBI  Trust"),  a Delaware  statutory
trust established by the Company,  received  $10,000,000 in proceeds in exchange
for $10,000,000  principal amount of FCBI Trust's floating rate cumulative trust
preferred  securities (the "preferred  securities") in a trust preferred private
placement.  The  proceeds  of that  transaction  were then used by FCBI Trust to
purchase  an  equal  amount  of  floating  rate  subordinated   debentures  (the
"subordinated   debentures")   of  the  Company.   The  Company  has  fully  and
unconditionally guaranteed all obligations of FCBI Trust on a subordinated basis
with respect to the preferred  securities.  Subject to certain limitations,  the
preferred securities qualify as

                                       15
<PAGE>


                         FLORIDA COMMUNITY BANKS, INC.
                               September 30, 2005

Tier 1 capital and are  presented in the  Consolidated  Statements  of Financial
Condition  as  subordinated  debentures.  The sole  asset  of FCBI  Trust is the
subordinated  debentures issued by the Company. Both the preferred securities of
FCBI  Trust  and  the   subordinated   debentures   of  the  Company  each  have
approximately  30-year  lives.  However,  both the Company and FCBI Trust have a
call option of five years, subject to regulatory capital requirements.

Regulatory  authorities  are placing  increased  emphasis on the  maintenance of
adequate capital. In 1990, new risk-based capital requirements became effective.
The guidelines take into consideration  risk factors,  as defined by regulators,
associated with various categories of assets, both on and off the balance sheet.
Under the guidelines,  capital strength is measured in two tiers, which are used
in conjunction  with  risk-adjusted  assets to determine the risk-based  capital
ratios.  The  Company's  Tier I capital,  which  consists of common  equity less
goodwill plus qualifying Trust Preferred  securities  issued,  amounted to $76.7
million at September 30, 2005. Tier II capital components  include  supplemental
capital  components such as qualifying  allowance for loan losses and qualifying
subordinated  debt.  Tier I  capital  plus the Tier II  capital  components  are
referred to as Total  Risk-Based  capital and was $86.6 million at September 30,
2005.

The Company's current capital positions exceed the "well-capitalized" regulatory
guidelines.  Management  has reviewed and will continue to monitor the Company's
asset mix and the loan loss allowance, which are the areas determined to be most
affected by these capital requirements.


RESULTS OF OPERATIONS

Three Months Ended September 30, 2005 and 2004

Summary

Net  earnings of the Company for the three  months  ended  September  30,  2005,
totaled  $4,917,310  compared  to  $2,999,731  for  the  same  period  in  2004,
representing  a 63.9%  increase.  The  increase  was due  principally  to a $2.7
million  increase in net interest  income.  As explained  more fully below,  the
increase in net interest income was due to the increase in loan volume.

Net Interest Income

Net interest  income,  the difference  between interest earned on assets and the
cost of interest-bearing  liabilities, is the largest component of the Company's
income.  Net interest  income during the three months ended  September 30, 2005,
increased $2.7 million  (63.9%) from the same period in 2004.  This increase was
due  primarily to an increase in loan interest of $4.6 million or 48.2% from the
same period in 2004.  Loans  increased  $84.4 million this quarter,  compared to
$14.5 million last year,  plus  interest  rates are up  approximately  275 basis
points from June 2004. Interest expense increased $2.3 million or 100%, compared
to the same period last year;  higher  volumes and rates  across the board;  but
primarily increases in money market and certificate of deposits,  contributed to
the overall increase.  During the third quarter of 2005, earning assets averaged
$776.9 million compared to $570.2 million during the third quarter in 2004, with
loans averaging  $192.8 million higher.  Interest-bearing  liabilities  averaged
$612.6  million  during the third quarter of 2005 compared to $444.1  million in
2004;  certificate of deposits averaged $86.4 million higher,  savings and money
market  accounts  $34.9  million  higher and borrowed  funds were $23.4  million
higher.

                                       16

<PAGE>

                         FLORIDA COMMUNITY BANKS, INC.
                               September 30, 2005

The Company had a  significant  amount of loans that during the period 2003 thru
June 2004, when rates reached historic lows, were at their contractual "floored"
rates.  These loans did not start re-pricing until rates increased an average of
225 basis points.  Therefore,  with the Federal  Reserve  increasing the federal
funds rate eleven times (275 basis  points)  since June 2004,  the cost of funds
rose faster as a percentage  than interest  income;  however,  the volume of new
loans  going on at higher  rates was  sufficient  to increase  the net  interest
margin (third  quarter 2005 was 5.91% compared to 5.82% during the third quarter
in 2004).  With almost every loan now above their "floor" rate, each increase in
the prime rate increases the loan rates correspondingly.


Provision for Loan Losses

The provision for loan losses  represents  the charge against  current  earnings
necessary  to maintain  the reserve for loan losses at a level which  management
considers appropriate. This level is determined based upon the Bank's historical
charge-offs,   management's  assessment  of  current  economic  conditions,  the
composition  of the loan portfolio and the levels of  non-accruing  and past due
loans.  During 2004,  the Company  refined its method of estimating the level of
allowance  needed and now  considers  average  losses  compared to average loans
outstanding for a rolling ten-year historical period.

During the third quarter of 2005, the Company  provided  $32,000 to increase the
allowance for loan losses to $9.9 million.  During the third quarter of 2004 the
provision  for  loan  losses  was  adversely  impacted  by the  effect  of  four
hurricanes that struck Florida.  In response to the potential loan losses caused
by the hurricane  related,  deteriorating  financial  condition of the Company's
borrowers,  management  undertook  a review of the  entire  loan  portfolio  and
determined that several loans needed to be downgraded and the allowance for loan
losses  increased  accordingly;  the Company  provided  $750,000 to increase the
allowance for loan losses to $9.2 million. Loans recoveries exceeded charge-offs
by approximately $20 thousand for the three months ended September 30, 2005, and
$48 thousand  during the third quarter of 2004. The reserve for loan losses as a
percent of outstanding loans, net of unearned income, was 1.34% at September 30,
2005, compared to 1.80% at September 30, 2004.

Noninterest Income

Noninterest  income for the three months  ended  September  30,  2005,  was $847
thousand  compared to $659  thousand for the same period of 2004, an increase of
$189  thousand  (28.6%).  The  increase  was  primarily  due to an  increase  in
secondary  market loan fees of $105 thousand and service  charges on deposits of
$53 thousand.

Noninterest Expenses

Noninterest  expenses for the three months ended  September 30, 2005,  were $3.3
million  reflecting a 13.2%  increase from the same period of 2004.  The primary
components of  noninterest  expenses are salaries and employee  benefits,  which
increased $213 thousand for the three months ended September 30, 2005,  compared
to the same period in 2004; the increase was due to increased salaries and bonus
accruals.  Occupancy costs, during this same period,  increased by approximately
$98 thousand due to increases in real estate tax accruals,  property  insurance,
depreciation and repairs and maintenance expenses.  Other expenses increased $80
thousand  due to  increases  in data  processing  expenses,  professional  fees,
banking assessments and fees etc.

                                       17

<PAGE>

                         FLORIDA COMMUNITY BANKS, INC.
                               September 30, 2005

Income Taxes

The  provision  for income  taxes of $3.1  million  for the three  months  ended
September 30, 2005,  increased $1.3 million compared to the same period of 2004,
due to higher taxable earnings.  The effective tax rate for both periods is more
than the statutory  federal rate principally  because of state income taxes, net
of the federal tax benefit.

Nine Months Ended September 30, 2005 and 2004

Summary

Net  earnings  of the  Company for the nine months  ended  September  30,  2005,
totaled  $13,698,646  compared  to  $9,051,298  for the  same  period  in  2004,
representing a 51.3% increase.  The increase was due principally to loan growth,
which generated  higher interest and fees than a year ago. Growth in noninterest
bearing  checking  deposits and lower cost interest  bearing deposits like money
market,  savings and NOW  accounts,  contributed  greatly to keeping the cost of
funds down.  Asset  quality has been  excellent,  with very little in the way of
charge-offs and as a result we have only made a small provision to the allowance
for loan  losses so far in 2005.  We have seen  good  growth in our  noninterest
income and have kept the noninterest expense growth down to a minimum.

Net Interest Income

Net interest  income,  the difference  between interest earned on assets and the
cost of interest-bearing  liabilities, is the largest component of the Company's
net income. Net interest income during the nine months ended September 30, 2005,
increased $6.8 million  (31.0%) from the same period in 2004.  This increase was
due primarily to an increase of $10.6  million  (38.7%) in loan income and $1.05
million (87.8%) in investment income, which was reduced by increases in interest
expense on deposits of $4.0  million  (76.8%) and  interest  expense on borrowed
funds of $897 thousand (58.8%).  Both loans and deposits  experienced  increased
volume.  Earning assets  averaged $719.5 million during the first nine months of
2005  compared to $542.3  million in 2004,  with the increase due to loans which
increased  $160.3  million and  investments  and fed funds sold which  increased
$17.2  million.  Average  interest-bearing  liabilities  increased  from  $437.4
million  during  the third  quarter  of 2004 to $566.5  million  during the same
period  in 2005.  Interest  bearing  checking  accounts  (money  market  and NOW
accounts)  averaged  $36.8 million higher in 2005 compared to the same period in
2004  reflecting an increase of 30.0%;  certificates  of deposit  averaged $61.2
million higher,  increasing 26.3%.  Noninterest  bearing checking averaged $39.4
million higher, increasing 43.6%.

The  Company  was in an asset  sensitive  position  during  2005 and 2004 with a
larger  dollar amount of  interest-earning  assets  subject to  re-pricing  than
interest-bearing  liabilities.  Management believes that this a good position to
be in,  particularly  in a rising rate  environment.  With the  Federal  Reserve
raising rates 275 basis points since June 2004,  almost all of the variable rate
loans have  re-priced  above  their  floor  rates and will  increase  with every
increase  going  forward.  If rates were to fall,  the floor rates would help to
protect  the  Company's  net  interest  margin  from  dropping  too fast.  As of
September 30, 2005, the Company's  year-to-date  net interest  margin was 5.38%,
down slightly from 5.43% at September 30, 2004.

                                       18

<PAGE>

                         FLORIDA COMMUNITY BANKS, INC.
                               September 30, 2005

Provision for Loan Losses

The  provision  for loan losses was $32,000 for the nine months ended  September
30,  2005  and  $1,250,000  for the  comparable  period  in 2004.  The  level of
non-performing loans declined  significantly (from $9.8 million to $3.1 million)
during the period from December 31, 2004 to September 30, 2005 and the loan loss
provision was reduced accordingly.  For the nine months of 2005, the Company had
net  recoveries of $108  thousand  compared to net  charge-offs  of $88 thousand
during the same period in 2004.


Noninterest Income

Noninterest  income for the nine  months  ended  September  30,  2005,  was $2.8
million  compared to $2.5  million  for the same period of 2004,  an increase of
10.7%  (2004's  income  included a $415  thousand  gain from the sale of a fixed
asset compared to a $21 thousand gain in 2005). Without the effect of the gains,
noninterest  income  actually  increased  31.6%,  with a 90.9%  ($359  thousand)
increase in  secondary  market loan fees,  a 45.0% ($179  thousand)  increase in
check  cashing fees and a 7.45% ($84  thousand)  increase in service  charges on
deposits.

Noninterest Expenses

Noninterest  expenses for the nine months ended September 30, 2005, totaled $9.4
million  reflecting a 6.4%  increase  from the same period of 2004.  The primary
components of  noninterest  expenses are salaries and employee  benefits,  which
increased $22 thousand for the nine months ended September 30, 2005, compared to
the same  period in 2004.  A  component  of  salaries  expense is  salaries  and
benefits that are deferred  when a new loan is booked  (resulting in a credit to
the expense); this deferral increased $218 thousand over 2004, which contributed
to the minimal increase in total salaries and benefits year over year. Occupancy
expenses  (depreciation,  taxes,  insurance,  electricity,  etc) increased 16.5%
($212 thousand);  with part of the increase related to the opening of our newest
branch in Cape Coral in January  2005 and the other part to bank  growth.  Other
expenses  (advertising and promotion  expenses,  professional  fees,  assessment
fees, data  processing  expenses,  other real estate owned expenses,  etc.) were
19.3% ($328 thousand) higher, again due to overall bank growth.

Income Taxes

The  provision  for  income  taxes of $8.6  million  for the nine  months  ended
September 30, 2005,  increased $3.1 million compared to the same period of 2004,
due to higher  pre-tax  income.  The effective tax rate for both periods is more
than the statutory  federal rate principally  because of state income taxes, net
of the federal tax benefit.

Other Accounting Issues

In December  2003, the Financial  Accounting  Standards  Board ("FASB")  revised
previously issued SFAS No. 132, Employers'  Disclosures about Pensions and Other
Postretirement.  This statement  revises  employers'  disclosures  about pension
plans and other postretirement benefit plans. It does not change the measurement
or  recognition of those plans  required by FASB  Statements No. 87,  Employers'
Accounting  for Pensions,  No. 88,  Employers'  Accounting for  Settlements  and
Curtailments of Defined Benefit Pension Plans and for Termination Benefits,  and
No. 106, Employers' Accounting for Postretirement  Benefits Other Than Pensions.
This statement retains the

                                       19

<PAGE>

                         FLORIDA COMMUNITY BANKS, INC.
                               September 30, 2005

disclosure   requirements  contained  in  FASB  Statement  No.  132,  Employers'
Disclosures about Pensions and Other Postretirement Benefits, which it replaces.
It requires additional  disclosures to those in the original Statement 132 about
the assets,  obligations,  cash flows,  and net periodic benefit cost of defined
benefit  pension  plans and other  defined  benefit  postretirement  plans.  The
required  information  should be provided  separately  for pension plans and for
other  postretirement  benefit  plans.  The  provisions  of this  statement  are
effective for financial  statements  with fiscal years ending after December 15,
2003. The  interim-period  disclosures  required by this statement are effective
for interim  periods  beginning  after  December 15,  2003.  The adoption of the
provisions  of this  revised  statement  did not have a  material  effect on the
Company's operating results or financial position.

In December 2003, the FASB revised  previously  issued Financial  Interpretation
("FIN") No. 46,  Consolidation of Variable Interest Entities,  FIN No. 46R which
clarifies  the  application  of  Accounting   Research   Bulletin   ("ARB")  51,
Consolidated Financial Statements, to certain entities (called variable interest
entities)  in  which  equity  investors  do not have  the  characteristics  of a
controlling  financial interest or do not have sufficient equity at risk for the
entity to finance  its  activities  without  additional  subordinated  financial
support from other parties.  The reporting and disclosure  requirements  of this
Interpretation  are effective for all financial  statements of public  companies
for the first period ending after  December 15, 2003, and for all other types of
entities  for  periods  ending  after  March  15,  2004.  The  adoption  of this
interpretation  did not have a  material  impact on the  Company's  consolidated
financial statements.

In December 2003, the Accounting  Standards  Executive Committee of the American
Institute of Certified Public  Accountants  issued Statement of Position ("SOP")
03-3,  Accounting for Certain Loans or Debt  Securities  Acquired in a Transfer,
which addresses the accounting for differences  between  contractual  cash flows
and expected cash flows for loans acquired in a transfer when those  differences
are  attributable at least in part to a decline in credit quality.  The scope of
SOP 03-3  includes  loans where there is  evidence  of  deterioration  in credit
quality since origination, and includes loans acquired individually, in pools or
as part of a  business  combination.  Under SOP  03-3,  the  difference  between
expected cash flows and the purchase price is accreted as an adjustment to yield
over the life. The Company does not expect the  application of SOP 03-03 to have
a  material  impact  on  our  consolidated  financial  position  or  results  of
operations.

In March 2004, the Emerging  Issues Task Force  ("EITF")  reached a consensus on
the  remaining  portions  of EITF  03-01,  The  Meaning of  Other-Than-Temporary
Impairment and It's Application to Certain Investments,  effective for the first
fiscal year or interim period beginning after June 15, 2004. EITF 03-01 provides
guidance for  determining  when an investment is  considered  impaired,  whether
impairment is  other-than-temporary,  and measurement of an impairment  loss. An
investment  is considered  impaired if the fair value of the  investment is less
than its cost.  Generally,  an  impairment  is  considered  other-than-temporary
unless:  (1) the investor has the ability and intent to hold an investment for a
reasonable  period of time sufficient for an anticipated  recovery of fair value
up to (or beyond) the cost of the investment,  and (2) evidence  indicating that
the cost of the  investment is  recoverable  within a reasonable  period of time
outweighs  evidence  to  the  contrary.   If  impairment  is  determined  to  be
other-than-temporary,  then an impairment loss should be recognized equal to the
difference between the investment's cost and its fair value.  Certain disclosure
requirements of EITF 03-01 were adopted in 2003 and the Company began presenting
the new disclosure requirements in its consolidated financial statements for the
year ended December 31, 2003. The recognition  and  measurement  provisions were
initially effective for other-than-temporary impairment evaluations in reporting
periods  beginning  after June 15, 2004.  In June 2005,  the FASB decided not to
provide

                                       20

<PAGE>


                         FLORIDA COMMUNITY BANKS, INC.
                               September 30, 2005

additional  guidance  on the  meaning of  other-than-temporary  impairment,  but
directed the staff to issue  proposed FSP EITF 03-1-a,  Implementation  Guidance
for the  Application of Paragraph 16 of EITF Issue No. 03-1 as final.  The final
FSP (retitled FSP FAS 115-1, The Meaning of Other-Than-Temporary  Impairment and
Its Application to Certain Investments  clarifies that impairment loss should be
recognized  no later than when the  impairment  is deemed  other-than-temporary,
even if a decision to sell has not been made.  The  statement  will be effective
for  other-than-temporary  impairment  analysis  conducted in periods  beginning
after  September 15, 2005.  The Company does not expect this  implementation  to
have a material effect on the results of the Company.

In March 2004, the Securities and Exchange  Commission  issued Staff  Accounting
Bulletin  ("SAB")  No.  105,  Application  of  Accounting   Principles  to  Loan
Commitments.  SAB 105 requires that the fair value  measurement of mortgage loan
commitments,  which are  derivatives,  exclude  any  expected  future cash flows
related to the customer  relationship or servicing  rights.  The guidance in SAB
105 must be applied to mortgage  loan  commitments  entered into after March 31,
2004.  The impact on the Company is not material  given the declines in mortgage
banking volume,  but could be in the future.  The impact is primarily the timing
of when gains should be recognized in the financial statements.

In  December  2004,  the  FASB  issued  SFAS No.  123  (revised  2004)  entitled
Share-Based  Payment  ("SFAS No.  123R") that will  require  compensation  costs
related to share-based  payment  transactions  to be recognized in the financial
statements.  This  Statement  eliminates  the  alternative  to use Opinion  25's
intrinsic  value method of  accounting  that was  provided in  Statement  123 as
originally  issued.  Under  Opinion  25,  issuing  stock  options  to  employees
generally  resulted in  recognition  of no  compensation  cost.  This  statement
requires  entities  to  recognize  the cost of  employee  services  received  in
exchange for awards of equity  instruments based on the grant-date fair value of
those awards (with limited  exceptions).  Recognition of that  compensation cost
helps  users  of  financial   statements  to  better   understand  the  economic
transactions  affecting  an  entity  and  to  make  better  resource  allocation
decisions.  On April 21, 2005,  the SEC amended Rule 4-01(a) of  Regulation  S-X
regarding the compliance  date for SFAS No. 123(R) so that the effective date is
delayed to January 1, 2006.  The Company is currently  evaluating the provisions
of SFAS No. 123R and will adopt it on January 1, 2006.

On December 16,  2004,  The FASB issued SFAS No. 153,  Exchanges of  Nonmonetary
Assets,  an Amendment  of APB Opinion No. 29. SFAS No. 153 amends the  principle
that exchanges of nonmonetary  assets should be measured based on the fair value
of the assets exchanged and more broadly provides exceptions regarding exchanges
of  nonmonetary  assets that do not have  commercial  substance.  A  nonmonetary
exchange has  commercial  substance when the future cash flows of the entity are
expected to change significantly as a result of the exchange.  The provisions of
SFAS No. 153 are effective for nonmonetary asset exchanges  occurring in periods
beginning after June 15, 2005.  Management does not believe that the adoption of
this  standard  will have a material  impact on the  financial  condition or the
results of operations of the Company.

In May  2005,  the FASB  issued  SFAS No.  154,  Accounting  Changes  and  Error
Corrections, which replaces APB Opinion No. 20, Accounting Changes, and SFAS No.
3, Reporting Accounting Changes in Interim Financial Statements--An Amendment of
APB Opinion No. 28. SFAS No. 154 changes the requirements for the accounting and
reporting  of a change in  accounting  principle.  It applies  to all  voluntary
changes in accounting  principle as well as to changes required by an accounting
pronouncement that does not include specific transition provisions. SFAS No. 154
eliminates  the  requirement  in APB Opinion  No. 20 to include  the  cumulative
effect of changes in accounting principle in the income statement


                                       21

<PAGE>

                         FLORIDA COMMUNITY BANKS, INC.
                               September 30, 2005

in the period of change.  Instead,  to enhance the comparability of prior period
financial statements, SFAS No. 154 requires that changes in accounting principle
be retrospectively applied. Under retrospective application,  the new accounting
principle is applied as of the  beginning  of the first  period  presented as if
that  principle  had always been used.  The  cumulative  effect of the change is
reflected in the carrying value of assets and liabilities as of the first period
presented  and the  offsetting  adjustments  are  recorded  to opening  retained
earnings.  Each period  presented  is  adjusted  to reflect the  period-specific
effects of applying the change. Although retrospective application is similar to
restating  prior  periods,  SFAS  No.  154  gives  the  treatment  a new name to
differentiate  it from  restatement for the correction of an error.  Only direct
effects of the change  will be included in the  retrospective  application;  all
indirect  effects  will  be  recognized  in  the  period  of  change.  If  it is
impracticable to determine the cumulative effect for all prior periods,  the new
accounting principle should be applied as if it were adopted  prospectively from
the earliest date practicable.  SFAS No. 154 is effective for accounting changes
and  corrections  of errors made in fiscal years  beginning  after  December 15,
2005.



              [The remainder of this page intentionally left blank]

                                       22

<PAGE>

                         FLORIDA COMMUNITY BANKS, INC.
                               September 30, 2005

Item 3. Quantitative and Qualitative Disclosures About Market Risk

Market  risk is the risk  arising  from  adverse  changes  in the fair  value of
financial  instruments  due to a change in interest  rates,  exchange  rates and
equity prices.  The Company's  primary  market risk arises from the  possibility
that interest  rates may change  significantly  and affect the fair value of the
Company's financial instruments (also known as interest rate risk).

The primary objective of Asset/Liability  Management at the Company is to manage
interest  rate risk and achieve  reasonable  stability  in net  interest  income
throughout  interest rate cycles.  This is achieved by  maintaining a reasonable
balance   between   rate   sensitive   earning   assets   and   rate   sensitive
interest-bearing  liabilities.  The amount  invested in rate  sensitive  earning
assets  compared  to the  amount of rate  sensitive  liabilities  issued are the
principal factors in projecting the effect that fluctuating  interest rates will
have on future net interest income and the fair value of financial  instruments.
Rate sensitive  earning assets and  interest-bearing  liabilities are those that
can be re-priced to current market rates within a given time period.  Management
monitors  the rate  sensitivity  of all  interest  earning  assets and  interest
bearing  liabilities,  but places particular  emphasis on the upcoming year. The
Company's Asset/Liability Management policy requires risk assessment relative to
interest  pricing and related  terms and places limits on the risk to be assumed
by the Company.

The Company uses several tools to monitor and manage interest rate  sensitivity.
One of the primary tools is simulation analysis. Simulation analysis is a method
of estimating the fair value of financial instruments, the earnings at risk, and
capital at risk under varying interest rate conditions.  Simulation  analysis is
used to estimate  the  sensitivity  of the  Company's  net  interest  income and
stockholders' equity to changes in interest rates.  Simulation analysis accounts
for the  expected  timing and  magnitude of assets and  liability  cash flows as
interest rates change,  as well as the expected  timing and magnitude of deposit
flows and rate changes  whether or not these deposits  re-price on a contractual
basis. In addition, simulation analysis includes adjustments for the lag between
movements in market interest rates on loans and interest-bearing deposits. These
adjustments  are made to reflect  more  accurately  possible  future cash flows,
re-pricing behavior and ultimately net interest income.

As of September 30, 2005, the Company's  simulation  analysis indicated that the
Company is at greatest risk in a sudden  decreasing  interest rate  environment.
This  analysis  assumes  that rates will  change  suddenly  on a specific  date.
Management believes however,  that interest rates will continue to increase over
the next three  months or so and then level off; but the Federal  Reserve  could
continue their  "measured pace" increases even further into 2006 if inflation is
still a concern.  In any  event,  management  believes  that the  Company's  net
interest margin should increase with every rate increase going forward and would
hold up fairly  well if rates  were to  decline.  The table  below  depicts  the
results of the simulation  assuming a one and two percent  decrease and increase
in market interest rates.

              [The remainder of this page intentionally left blank]


                                       23

<PAGE>

                         FLORIDA COMMUNITY BANKS, INC.
                               September 30, 2005

<TABLE>
<CAPTION>

                                                             Estimated Fair Value of Financial Instruments
                                                   ----------------------------------------------------------------
                                                       Down              Up             Down               Up
                                                     1 Percent        1 Percent       2 Percent         2 Percent
                                                   ------------    -------------    -------------    --------------
                                                                        Dollars in Thousands
Interest-earning Assets:
<S>                                                <C>             <C>              <C>              <C>
   Loans.........................................  $    748,222    $     743,640    $     750,255    $      741,088
   Federal funds sold and cash equivalents.......         3,294            3,258            3,313             3,239
   Securities....................................        63,346           60,686           64,402            59,038
                                                   ------------    -------------    -------------    --------------
     Total Interest-earning Assets...............       814,862          807,584          817,970           803,365
                                                   ------------    -------------    -------------    --------------

Interest-bearing Liabilities
   Deposits - Savings and demand.................       212,329          209,215          213,886           207,658
   Deposits - Time...............................       352,624          347,842          355,014           345,452
   Other borrowings..............................        85,875           83,277           87,174            81,978
                                                   ------------    -------------    -------------    --------------
     Total Interest-bearing Liabilities..........       650,828          640,334          656,074           635,088
                                                   ------------    -------------    -------------    --------------

Net Difference in Fair Value.....................  $    164,034    $     167,250    $     161,896    $      168,277
                                                   ============    =============    =============    ==============

Change in Net Interest Income....................  $     (1,951)   $       1,920    $      (3,933)   $        3,798
                                                   ============    =============    =============    ==============
</TABLE>


Item 4. Controls and Procedures

Evaluation of Disclosure Controls and Procedures

The Company has  evaluated  the  effectiveness  of its  disclosure  controls and
procedures  pursuant to Rule 13a-15(e) under the Securities Exchange Act of 1934
(the "Exchange Act"), the Company's chief executive  officer and chief financial
officer  have  concluded  that  as of the  end of the  period  covered  by  this
Quarterly  Report of Form 10-Q  such  disclosure  controls  and  procedures  are
effective to ensure that information required to be disclosed by the Corporation
in  reports  that it  files or  submits  under  the  Exchange  Act is  recorded,
processed,  summarized  and  reported  within  the  time  periods  specified  in
Securities and Exchange Commission rules and forms.

Changes in Internal Controls

During the quarter under report,  there was no change in the Company's  internal
control over financial reporting that has materially affected,  or is reasonably
likely to materially  affect,  the  Company's  internal  control over  financial
reporting.



                                       24

<PAGE>

                          FLORIDA COMMUNITY BANKS, INC.
                               September 30, 2005


PART II - Other Information

Item 1 - Legal Proceedings

In the ordinary course of business, the Company is subject to legal proceedings,
which involve claims for substantial  monetary relief.  However,  based upon the
advice  of  legal  counsel,   management  is  of  the  opinion  that  any  legal
proceedings,  individually or in the aggregate, will not have a material adverse
effect on the Company's financial condition or results of operations.


Item 5 - Other Information

In October  2005,  the Company  declared a stock split and issued 1.2 shares for
each share  outstanding of the Company's  common stock. The effect of this stock
split has been retroactively  reflected in the Company's  consolidated financial
statements.  All references to weighted average shares outstanding and per share
amounts included in the consolidated financial statements and accompanying notes
reflect the stock split and its retroactive effect.



              [The remainder of this page intentionally left blank]

                                       25

<PAGE>

                         FLORIDA COMMUNITY BANKS, INC.
                               September 30, 2005

Item 6 - Exhibits

The following Exhibits are filed with this report:
<TABLE>
<CAPTION>

Exhibit No.                                               Exhibit                                          Page

<S> <C>                                                               <C>
    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       Employment agreement with Thomas S. Junker dated December 9, 1997
               (included as Exhibit 10.1 to the Bank's Registration Statement on
               Form 10-SB-A for the year ended December 31, 1998, and
               incorporated herein by reference).

    10.2       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).

    10.3       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).

    10.4       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).

    10.5       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).

    10.6       Term Loan Agreement between Florida Community Banks, Inc. and The
               Bankers Bank, Atlanta, Georgia, dated June 13, 2002 (included as
               Exhibit 10.6 to the Company's Form 10-Q for the quarter ended
               June 30, 2002, and incorporated herein by reference).
</TABLE>

                                       26

<PAGE>

                         FLORIDA COMMUNITY BANKS, INC.
                               September 30, 2005

<TABLE>
<CAPTION>

Exhibit No.                                               Exhibit                                          Page


<S> <C>                                                           <C>                          <C>         <C>
    10.7       Employee Stock Ownership Plan (included as Exhibit 10.5 to the Company's
               Form S-8 filed May 6, 2004.

    11         Statement re: computation of earnings per common share                                      29

    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).                               30

    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).                               31

    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.                       32

    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.                       32

</TABLE>




             [The remainder of this page intentionally left blank.]

                                       27

<PAGE>




                                   SIGNATURES


Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned, thereunto duly authorized.


                           FLORIDA COMMUNITY BANKS, INC.



By:  /s/ Stephen L. Price                             11/04/2005
   ---------------------------------------------     ---------------------------
    Stephen L. Price                                  Date
    President, Chief Executive Officer
    and Chairman of the Board of Directors



     /s/ Guy W. Harris                                11/04/2005
   ---------------------------------------------     ---------------------------
     Guy W. Harris                                     Date
     Chief Financial Officer

                                       28

<PAGE>


Exhibit 11 - Statements Re: Computation of Per Share Earnings


                          FLORIDA COMMUNITY BANKS, INC.

                    COMPUTATION OF EARNINGS PER COMMON SHARE



The following  tabulation presents the calculation of basic and diluted earnings
per common share for the three-month and nine-month  periods ended September 30,
2005 and 2004. Average shares outstanding have been retroactively adjusted on an
equivalent  share  basis for the  effects of the stock  dividends  and splits as
discussed in the notes to the financial statements.

<TABLE>
<CAPTION>


                                                                Three Months                   Nine Months
                    Ended September 30, Ended September 30,
                              2005 2004 2005 2004

Basic Earnings Per Share:
<S>                                                  <C>              <C>             <C>            <C>
   Net income....................................    $   4,917,310    $   2,999,731   $  13,698,646  $    9,051,298
                                                     =============    =============   =============  ==============

   Earnings on common shares.....................    $   4,917,310    $   2,999,731   $  13,698,646  $    9,051,298
                                                     =============    =============   =============  ==============

   Weighted average common shares
     outstanding - basic.........................        5,493,517        5,423,593       5,466,905       5,418,667
                                                     =============    =============   =============  ==============

   Basic earnings per common share...............    $        0.90    $        0.55   $        2.51  $         1.67
                                                     =============    =============   =============  ==============

Diluted Earnings Per Share:
   Net income....................................    $   4,917,310    $   2,999,731   $  13,698,646  $    9,051,298
                                                     =============    =============   =============  ==============

   Weighted average common shares
     outstanding - diluted.......................        5,556,715        5,490,490       5,530,231       5,480,868
                                                     =============    =============   =============  ==============

   Diluted earnings per common share.............    $        0.88    $        0.55   $        2.48  $         1.65
                                                     =============    =============   =============  ==============

</TABLE>


                                       29

<PAGE>




Exhibit 31.1

                    CERTIFICATION OF CHIEF EXECUTIVE OFFICER

I, Stephen L. Price, certify that:

1.   I have reviewed  this  quarterly  report on Form 10-Q of Florida  Community
     Banks, Inc.

2.   Based on my knowledge, this report does not contain any untrue statement of
     a material  fact or omit to state a  material  fact  necessary  to make the
     statements made, in light of the circumstances  under which such statements
     were made,  not  misleading  with  respect  to the  period  covered by this
     report;

3.   Based on my  knowledge,  the  financial  statements,  and  other  financial
     information  included  in this  quarterly  report,  fairly  present  in all
     material respects the financial  condition,  results of operations and cash
     flows of the  registrant,  as of, and for,  the periods  presented  in this
     report;

4.   The  registrant's  other  certifying  officer  and  I are  responsible  for
     establishing and maintaining disclosure controls and procedures (as defined
     in Exchange Act Rules  13a-15(e) and 15d-15(e))  and internal  control over
     financial  reporting  (as  defined  in  Exchange  Act Rules  13a-15(f)  and
     15d-15(f)) for the registrant and have:

     a)   designed  such  disclosure  controls  and  procedures,  or caused such
          disclosure   controls  and   procedures  to  be  designed   under  our
          supervision,  to ensure  that  material  information  relating  to the
          registrant,  including its consolidated subsidiaries, is made known to
          us by others within those entities,  particularly during the period in
          which this report is being prepared;

     b)   evaluated the  effectiveness of the registrant's  disclosure  controls
          and procedures and presented in this report our conclusions  about the
          effectiveness of the disclosure controls and procedures, as of the end
          of the period covered by this report based on such evaluation; and

     c)   disclosed  in this  report  any  change in the  registrant's  internal
          control over financial reporting that occurred during the registrant's
          first quarter that has materially  affected or is reasonably likely to
          materially  affect,  the registrant's  internal control over financial
          reporting;

5.   The registrant's  other certifying  officer and I have disclosed,  based on
     our most recent evaluation of internal control over financial reporting, to
     the registrant's  auditors and the audit committee of registrant's board of
     directors (or persons performing the equivalent functions):

     a)   all significant  deficiencies and material weaknesses in the design or
          operation  of internal  control  over  financial  reporting  which are
          reasonably  likely to  adversely  affect the  registrant's  ability to
          record, process, summarize and report financial information; and

     b)   any fraud, whether or not material,  that involves management or other
          employees who have a  significant  role in the  registrant's  internal
          control over financial reporting.



Date:  11/04/2005                       By: /s/ Stephen L. Price
      ----------------                    -------------------------------------
                                          Stephen L. Price,
                                          President, Chief Executive Officer
                                          and Chairman of the Board of Directors



                                       30

<PAGE>




Exhibit 31.2

                    CERTIFICATION OF CHIEF FINANCIAL OFFICER

I, Guy W. Harris, certify that:

1.   I have reviewed  this  quarterly  report on Form 10-Q of Florida  Community
     Banks, Inc.

2.   Based on my knowledge, this report does not contain any untrue statement of
     a material  fact or omit to state a  material  fact  necessary  to make the
     statements made, in light of the circumstances  under which such statements
     were made,  not  misleading  with  respect  to the  period  covered by this
     report;

3.   Based on my  knowledge,  the  financial  statements,  and  other  financial
     information  included  in this  quarterly  report,  fairly  present  in all
     material respects the financial  condition,  results of operations and cash
     flows of the  registrant,  as of, and for,  the periods  presented  in this
     report;

4.   The  registrant's  other  certifying  officer  and  I are  responsible  for
     establishing and maintaining disclosure controls and procedures (as defined
     in Exchange Act Rules  13a-15(e) and 15d-15(e))  and internal  control over
     financial  reporting  (as  defined  in  Exchange  Act Rules  13a-15(f)  and
     15d-15(f)) for the registrant and have:

     a)   designed  such  disclosure  controls  and  procedures,  or caused such
          disclosure   controls  and   procedures  to  be  designed   under  our
          supervision,  to ensure  that  material  information  relating  to the
          registrant,  including its consolidated subsidiaries, is made known to
          us by others within those entities,  particularly during the period in
          which this report is being prepared;

     b)   evaluated the  effectiveness of the registrant's  disclosure  controls
          and procedures and presented in this report our conclusions  about the
          effectiveness of the disclosure controls and procedures, as of the end
          of the period covered by this report based on such evaluation; and

     c)   disclosed  in this  report  any  change in the  registrant's  internal
          control over financial reporting that occurred during the registrant's
          first quarter that has materially  affected or is reasonably likely to
          materially  affect,  the registrant's  internal control over financial
          reporting;

5.   The registrant's  other certifying  officer and I have disclosed,  based on
     our most recent evaluation of internal control over financial reporting, to
     the registrant's  auditors and the audit committee of registrant's board of
     directors (or persons performing the equivalent functions):

     a)   all significant  deficiencies and material weaknesses in the design or
          operation  of internal  control  over  financial  reporting  which are
          reasonably  likely to  adversely  affect the  registrant's  ability to
          record, process, summarize and report financial information; and

     b)   any fraud, whether or not material,  that involves management or other
          employees who have a  significant  role in the  registrant's  internal
          control over financial reporting.



Date: 11/04/2005                     By:  /s/ Guy W. Harris
     -----------------                 -----------------------------------------
                                          Guy W. Harris
                                          Chief Financial Officer




                                       31

<PAGE>




EXHIBIT 32.1

                CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350
                    AS ADOPTED PURSUANT TO SECTION 906 OF THE
                           SARBANES-OXLEY ACT OF 2002


In connection with Florida Community Banks, Inc.'s ("Company")  Quarterly Report
on Form 10-Q for the period ended  September  30, 2005  ("Report"),  each of the
undersigned certify that:

     1.   The Report fully  complies with the  requirements  of Section 13(a) or
          15(d) of the Securities Exchange Act of 1934; and

     2.   The  information  contained  in the  Report  fairly  presents,  in all
          material respects,  the financial  condition and results of operations
          of the Company.



Date:   11/04/2005                     By:   /s/ Stephen L. Price
       ------------                      ---------------------------------------
                                         Stephen L. Price
                                         President, Chief Executive Officer
                                         and Chairman of the Board of Directors



EXHIBIT 32.2

                CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350
                    AS ADOPTED PURSUANT TO SECTION 906 OF THE
                           SARBANES-OXLEY ACT OF 2002


In connection with Florida Community Banks, Inc.'s ("Company")  Quarterly Report
on Form 10-Q for the period ended  September  30, 2005  ("Report"),  each of the
undersigned certify that:

     1.   The Report fully  complies with the  requirements  of Section 13(a) or
          15(d) of the Securities Exchange Act of 1934; and

     2.   The  information  contained  in the  Report  fairly  presents,  in all
          material respects,  the financial  condition and results of operations
          of the Company.





Date:   11/04/2005                     By:   /s/ Guy W. Harris
       ------------                      ---------------------------------------
                                         Guy W. Harris
                                         Chief Financial Officer


                                       32