UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION

                             WASHINGTON, D.C. 20549


                                    Form 10-Q


[X]  QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE
     ACT OF 1934 FOR THE QUARTERLY PERIOD ENDED JUNE 30, 2004

[_]  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  such  reports),  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                   No   X
       -----                -----


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 August 11, 2004: 3,766,384


<PAGE>




                                    Form 10-Q
                          FLORIDA COMMUNITY BANKS, INC.
                                  June 30, 2004

                                TABLE OF CONTENTS
<TABLE>
<CAPTION>

                                                                                                           Page No.
Part I - Financial Information

  Item 1 - Consolidated Financial Statements (Unaudited)

           Consolidated Statements of Financial Condition as of June 30, 2004
<S>                        <C> <C>                                                                             <C>
              and December 31, 2003.......................................................................     3

           Consolidated Statements of Income For The Three Months Ended
              June 30, 2004 and 2003......................................................................     4

           Consolidated Statements of Income For The Six Months Ended
              June 30, 2004 and 2003......................................................................     5

           Consolidated Statement of Shareholders' Equity For The Six Months
              Ended June 30, 2004.........................................................................     6

           Consolidated Statements of Cash Flows For The Six Months
              Ended June 30, 2004 and 2003................................................................     7

           Notes to Consolidated Financial Statements.....................................................     8

  Item 2 - Management's Discussion and Analysis of
           Financial Condition and Results of Operations..................................................    14

  Item 3 - Quantitative and Qualitative Disclosures About Market Risk.....................................    21

  Item 4 - Controls and Procedures........................................................................    23

Part II - Other Information

  Item 1 - Legal Proceedings..............................................................................    24

  Item 4 - Submission of Matters to a Vote of Security Holders............................................    24

  Item 6 - Exhibits and Reports on Form 8-K...............................................................    25

Signatures

</TABLE>

                                       2
<PAGE>
PART I - FINANCIAL INFORMATION
Item 1 - Financial Statements

                          FLORIDA COMMUNITY BANKS, INC.
                 CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION
                 June 30, 2004 (Unaudited) and December 31, 2003
<TABLE>
<CAPTION>

                                                                                    June 30,
                                                                                      2004           December 31,
                                                                                   (Unaudited)           2003
Assets
<S>                                                                             <C>               <C>
   Cash and due from banks...................................................   $     23,369,168  $      15,897,716
   Federal funds sold........................................................         15,154,000         13,765,000
   Interest-bearing deposits with banks......................................          1,656,058            857,133
                                                                                ----------------  -----------------
       Cash and Cash Equivalents.............................................         40,179,226         30,519,849

Securities available for sale................................................          3,184,977          3,184,977
Securities held-to-maturity, fair value of $41,731,018 and $35,296,326.......         42,767,755         35,752,905

Loans, net of unearned income................................................        497,716,521        437,592,827
Allowance for loan losses....................................................         (8,430,140)        (8,066,817)
                                                                                ----------------- ------------------
       Net Loans.............................................................        489,286,381        429,526,010

Premises and equipment, net..................................................         12,714,057         12,767,507
Accrued interest.............................................................          2,856,648          2,709,102
Foreclosed real estate.......................................................          5,744,977          6,121,833
Deferred taxes, net..........................................................          3,549,582          3,162,883
Other assets.................................................................          1,423,991          1,762,640
                                                                                ----------------  -----------------
       Total Assets..........................................................   $    601,707,594  $     525,507,706
                                                                                ================  =================

Liabilities and Shareholders' Equity

Liabilities
   Non-interest-bearing......................................................   $    101,005,027  $      78,296,949
   Interest-bearing..........................................................        399,633,802        344,987,453
                                                                                ----------------  -----------------
       Total Deposits........................................................        500,638,829        423,284,402

Short-term borrowings........................................................                 --          7,500,000
Federal Home Loan Bank advances..............................................         40,000,000         40,000,000
Notes payable................................................................                 --             21,698
Subordinated debentures......................................................         10,310,000         10,310,000
Deferred compensation........................................................            351,873            372,870
Accrued interest.............................................................          1,248,273            858,783
Other liabilities............................................................          1,492,851          1,074,184
                                                                                ----------------  -----------------
       Total Liabilities.....................................................        554,041,826        483,421,937

Shareholders' Equity
   Common stock-par value $.01 per share, 10,000,000 shares authorized,
     3,766,384 and 3,747,641 shares issued
     and outstanding.........................................................             37,664             37,476
   Paid-in capital...........................................................         17,149,901         16,680,061
   Retained earnings.........................................................         30,478,203         25,368,232
                                                                                ----------------  -----------------
       Total Shareholders' Equity............................................         47,665,768         42,085,769
                                                                                ----------------  -----------------

Total Liabilities and Shareholders' Equity...................................   $    601,707,594  $     525,507,706
                                                                                ================  =================
</TABLE>
                 See notes to consolidated financial statements

                                       3
<PAGE>


                          FLORIDA COMMUNITY BANKS, INC.
                        CONSOLIDATED STATEMENTS OF INCOME
                    Three months Ended June 30, 2004 and 2003
                                   (Unaudited)
<TABLE>
<CAPTION>

                                                                                           Three Months
                                                                                          Ended June 30,
                                                                                      2004               2003
                                                                                ----------------  -----------------

Interest Income
<S>                                                                             <C>               <C>
   Interest and fees on loans................................................   $      9,144,808  $       7,955,513
   Interest and dividends....................................................            373,508            340,600
   Interest on federal funds sold and other interest income..................             77,950            150,924
                                                                                ----------------  -----------------
       Total Interest Income.................................................          9,596,266          8,447,037
                                                                                ----------------  -----------------

Interest Expense
   Interest on deposits......................................................          1,742,263          2,181,406
   Interest on borrowed funds................................................            502,736            555,203
                                                                                ----------------  -----------------
       Total Interest Expense................................................          2,244,999          2,736,609
                                                                                ----------------  -----------------

Net Interest Income..........................................................          7,351,267          5,710,428

Provision for loan losses....................................................            200,000            300,000
                                                                                ----------------  -----------------

Net Interest Income After Provision for Loan Losses..........................          7,151,267          5,410,428

Noninterest Income
   Customer service fees.....................................................            471,854            469,837
   Gain on sale of fixed assets..............................................            414,508                 --
   Other non-interest income.................................................            231,987            196,339
                                                                                ----------------  -----------------
       Total Noninterest Income..............................................          1,118,349            666,176
                                                                                ----------------  -----------------

Noninterest Expenses
   Salaries and employee benefits............................................          2,048,557          1,719,684
   Occupancy and equipment expense...........................................            421,986            391,080
   Other non-interest expenses...............................................            557,742            536,653
                                                                                ----------------  -----------------
       Total Noninterest Expenses............................................          3,028,285          2,647,417
                                                                                ----------------  -----------------

Income before income taxes...................................................          5,241,331          3,429,187
Provision for income tax expense.............................................          1,975,145          1,301,862
                                                                                ----------------  -----------------

Net Income...................................................................   $      3,266,186  $       2,127,325
                                                                                ================  =================

Earnings Per Common Share
   Basic.....................................................................   $           0.87  $           0.57
   Diluted...................................................................               0.86              0.56

Cash Dividends Declared
   Cash dividends declared per common share..................................   $           0.25  $           0.00

Weighted Average Shares Outstanding
   Basic.....................................................................          3,766,384          3,747,641
   Diluted...................................................................          3,805,077          3,777,861
</TABLE>
                 See notes to consolidated financial statements

                                       4

<PAGE>


                          FLORIDA COMMUNITY BANKS, INC.
                        CONSOLIDATED STATEMENTS OF INCOME
                     Six months Ended June 30, 2004 and 2003
                                   (Unaudited)
<TABLE>
<CAPTION>

                                                                                            Six Months
                                                                                          Ended June 30,
                                                                                      2004               2003
                                                                                ----------------  -----------------

Interest Income
<S>                                                                             <C>               <C>
   Interest and fees on loans................................................   $     17,794,426  $      15,800,272
   Interest and dividends....................................................            698,778            720,884
   Interest on federal funds sold and other interest income..................            160,520            229,915
                                                                                ----------------  -----------------
       Total Interest Income.................................................         18,653,724         16,751,071
                                                                                ----------------  -----------------

Interest Expense
   Interest on deposits......................................................          3,399,530          4,447,662
   Interest on borrowed funds................................................          1,017,060          1,107,210
                                                                                ----------------  -----------------
       Total Interest Expense................................................          4,416,590          5,554,872
                                                                                ----------------  -----------------

Net Interest Income..........................................................         14,237,134         11,196,199

Provision for loan losses....................................................            500,000            600,000
                                                                                ----------------  -----------------

Net Interest Income After Provision for Loan Losses..........................         13,737,134         10,596,199

Noninterest Income
   Customer service fees.....................................................            959,918            892,469
   Gain on sale of fixed assets..............................................            414,508                 --
   Other non-interest income.................................................            470,924            400,189
                                                                                ----------------  -----------------
       Total Noninterest Income..............................................          1,845,350          1,292,658
                                                                                ----------------  -----------------

Noninterest Expenses
   Salaries and employee benefits............................................          3,916,398          3,368,671
   Occupancy and equipment expense...........................................            854,812            759,226
   Other non-interest expenses...............................................          1,104,873          1,076,752
                                                                                ----------------  -----------------
       Total Noninterest Expenses............................................          5,876,083          5,204,649
                                                                                ----------------  -----------------

Income before income taxes...................................................          9,706,401          6,684,208
Provision for income tax expense.............................................          3,654,835          2,528,203
                                                                                ----------------  -----------------

Net Income...................................................................   $      6,051,566  $       4,156,005
                                                                                ================  =================

Earnings Per Common Share
   Basic.....................................................................   $           1.61  $           1.11
   Diluted...................................................................               1.59              1.10

Cash Dividends Declared
   Cash dividends declared per common share..................................   $           0.25  $           0.00

Weighted Average Shares Outstanding
   Basic.....................................................................          3,761,235          3,747,641
   Diluted...................................................................          3,798,976          3,776,619

</TABLE>
                 See notes to consolidated financial statements

                                       5
<PAGE>


                          FLORIDA COMMUNITY BANKS, INC.
                 CONSOLIDATED STATEMENT OF SHAREHOLDERS' EQUITY
                         Six months Ended June 30, 2004
                                   (Unaudited)
<TABLE>
<CAPTION>


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

<S>                 <C> <C>                    <C>              <C>              <C>               <C>
Balance at December 31, 2003..............     $      37,476    $  16,680,061    $   25,368,232    $     42,085,769

Issuance of common stock..................               188          465,014                --             465,202

Stock option expense recognized...........                --            4,827                --               4,827

Net income - Six months ended
   June 30, 2004..........................                --               --         6,051,566           6,051,566

Cash dividends -- Common
   $0.25 per share........................                --               --          (941,596)           (941,596)
                                               -------------    -------------    ---------------   -----------------

Balance at June 30, 2004..................     $      37,664    $  17,149,902    $   30,478,202    $     47,665,768
                                               =============    =============    ==============    ================
</TABLE>

                 See notes to consolidated financial statements

                                       6



<PAGE>


                          FLORIDA COMMUNITY BANKS, INC.
                      CONSOLIDATED STATEMENTS OF CASH FLOWS
                     Six months Ended June 30, 2004 and 2003
                                   (Unaudited)

<TABLE>
<CAPTION>

                                                                                            Six Months
                                                                                          Ended June 30,
                                                                                      2004               2003
                                                                                ----------------  -----------------

Operating Activities
<S>                                                                             <C>               <C>
   Net Income................................................................   $      6,051,566  $       4,156,005
   Adjustments to reconcile net income to net cash
     provided by operating activities:
       Provision for loan losses.............................................            500,000            600,000
       Depreciation, amortization, and accretion, net........................            498,319            363,580
       (Increase) decrease in accrued interest receivable....................           (147,545)            82,255
       Increase in accrued interest payable..................................           (389,490)          (538,593)
       Increase in deferred tax asset, net...................................            386,677                 --
       Other, net............................................................            711,121           (298,117)
                                                                                ----------------  -----------------
       Net Cash Provided By Operating Activities.............................          7,610,648          4,365,130
                                                                                ----------------  -----------------

Investing Activities
   Net decrease (increase) in held-to-maturity securities....................         (7,136,135)         9,916,791
   Net decrease in available-for-sale securities.............................                 --                 --
   Loans made to customers, net of repayments................................        (60,260,372)        (3,275,686)
   Purchase of fixed assets, net.............................................           (292,494)        (1,484,750)
   Net (increase) decrease in other real estate owned........................            376,856         (2,733,435)
                                                                                ----------------  -----------------
       Net Cash Provided By (Used In) Investing Activities...................        (67,312,145)         2,422,920
                                                                                ----------------- -----------------

Financing Activities
   Net increase in noninterest-bearing deposits..............................         22,708,078         17,121,115
   Net increase (decrease) in interest-bearing deposits......................         54,646,349         (6,930,377)
   Dividends paid............................................................           (941,596)                --
   Repayment of borrowings...................................................         (7,521,698)                --
   Sale of common stock......................................................            465,202                 --
   Compensation associated with the issuance of options, net of tax..........              4,539              2,800
   Repayment of Federal Home Loan Bank advances..............................                 --         (4,500,000)
                                                                                ----------------  ------------------
       Net Cash Provided By Financing Activities.............................         69,360,874          5,693,538
                                                                                ----------------  -----------------

Net Increase in Cash and Cash Equivalents....................................          9,659,377         12,481,588

Cash and Cash Equivalents at Beginning of Period.............................         30,519,849         58,834,665
                                                                                ----------------  -----------------

Cash and Cash Equivalents at End of Period...................................   $     40,179,226  $      71,316,253
                                                                                ================  =================
</TABLE>

                 See notes to consolidated financial statements

                                       7

<PAGE>

                          FLORIDA COMMUNITY BANKS, INC.
                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
                                  June 30, 2004
                                   (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 three-month and six-month periods ended June 30, 2004,
are not necessarily  indicative of the results that may be expected for the year
ending December 31, 2004.

The statement of financial condition at December 31, 2003, 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, 2003, included
in Form 10-K filed in March 2004.

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.


                                       8

<PAGE>

                          FLORIDA COMMUNITY BANKS, INC.
                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
                                  June 30, 2004
                                   (Unaudited)


Note C - Income Taxes

The  effective tax rates of  approximately  37.7% and 38.0% for the three months
ended June 30, 2004 and 2003, respectively,  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 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 June 30,  2004 and
December 31, 2003 were as follows:
<TABLE>
<CAPTION>

                                                                      Gross            Gross           Estimated
                                                  Amortized        Unrealized       Unrealized           Fair
                                                    Cost              Gains           Losses             Value
                                               ---------------  ---------------   ---------------  ----------------
Securities Available-for-Sale

June 30, 2004:
<S>                                            <C>              <C>               <C>              <C>
   Equity Securities........................   $     3,184,977  $            --   $            --  $      3,184,977
                                               ===============  ===============   ===============  ================

December 31, 2003:
   Equity Securities........................   $     3,184,977  $            --   $            --  $      3,184,977
                                               ===============  ===============   ===============  ================
</TABLE>

<TABLE>
<CAPTION>

                                                                      Gross            Gross           Estimated
                                                  Amortized        Unrealized       Unrealized           Fair
                                                    Cost              Gains           Losses             Value
                                               ---------------  ---------------   ---------------  ----------------
Securities Held-to-Maturity

June 30, 2004:
   U. S. Government and
<S>                                            <C>              <C>               <C>              <C>
     agency securities......................   $     3,753,770  $             --  $        37,207  $      3,716,563
   Mortgage-backed securities...............        39,013,985            89,742        1,089,272        38,014,455
                                               ---------------  ----------------  ---------------  ----------------

                                               $    42,767,755  $         89,742  $     1,126,479  $     41,731,018
                                               ===============  ================  ===============  ================
December 31, 2003:
   U. S. Government and
     agency securities......................   $     1,768,406  $         52,182  $           438  $      1,820,150
   Mortgage-backed securities...............        33,984,499           140,176          648,499        33,476,176
                                               ---------------  ----------------  ---------------  ----------------

                                               $    35,752,905  $        192,358  $       648,937  $     35,296,326
                                               ===============  ================  ===============  ================
</TABLE>

                                       9
<PAGE>

                          FLORIDA COMMUNITY BANKS, INC.
                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
                                  June 30, 2004
                                   (Unaudited)



Note D - Securities - continued

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 June 30, 2004
and December 31, 2003.

June 30, 2004:
<TABLE>
<CAPTION>

                                   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. Treasury obligations
 and direct obligations of
 U.S. government
<S>                            <C>             <C>          <C>            <C>          <C>             <C>
 agencies....................  $   3,716,563   $    37,207  $          --  $        --  $   3,716,563   $    37,207
Federal agency mortgage
   backed securities.........     28,574,734       640,046     10,476,458      449,226     37,988,731     1,089,272
Corporate bonds..............             --            --             --           --             --            --
                               -------------   -----------  -------------  -----------  -------------   -----------

     Total Temporarily
     Impaired Securities.....  $  32,291,297   $   677,253  $  10,476,458  $   449,226  $  42,767,755   $ 1,126,479
                               =============   ===========  =============--===========  =============   ===========
</TABLE>

At June 30,  2004 the  Company  had 19  individual  securities  that  were in an
unrealized loss position or impaired for the timeframes  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, 2003:
                                   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. Treasury obligations
   and direct obligations
   of U.S. government
<S>                            <C>             <C>          <C>            <C>          <C>             <C>
   agencies..................  $   1,820,150   $       438  $          --  $        --  $   1,820,150   $       438
Federal agency mortgage
   backed securities.........     33,476,176       648,499             --           --     33,476,176       648,499
Corporate bonds..............             --            --             --           --             --            --
                               -------------   -----------  -------------  -----------  -------------   -----------

     Total Temporarily
     Impaired Securities.....  $  33,296,326   $   648,937  $          --  $        --  $  35,296,326   $   648,937
                               =============   ===========  =============--===========  =============   ===========
</TABLE>

At December 31, 2003,  the Company had 9 individual  securities  that were in an
unrealized loss position or impaired for the timeframes  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 2003.

                                       10
<PAGE>

                          FLORIDA COMMUNITY BANKS, INC.
                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
                                  June 30, 2004
                                   (Unaudited)


Note E - Shareholders' Equity

In December 2003,  the Company  declared a stock split of 1.2 shares for each of
the  Company's  outstanding  shares of common  stock.  This 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  to purchase up to 87,440  shares (as  adjusted  for stock  splits) at
various prices from $12.50 to $24.00 per share.  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 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 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.

The Company's actual and pro forma information follows:
<TABLE>
<CAPTION>

                                                                                            Six Months
                                                                                          Ended June 30,
                                                                                      2004               2003
                                                                                ----------------  -----------------
Net Income

<S>                                                                             <C>               <C>
As Reported..................................................................   $      6,051,566  $       4,156,005

Add:  Stock-based compensation expense
   included in net income, net of related
   income tax benefit........................................................              4,539              2,800

Deduct: Total stock-based employee compensation
   expense determined under fair value based method
   for all  awards, net of tax...............................................             (8,949)           (10,996)
                                                                                ----------------- ------------------

Pro forma net income.........................................................   $      6,047,156  $       4,147,809
                                                                                ================  =================
</TABLE>

                                       11
<PAGE>

                          FLORIDA COMMUNITY BANKS, INC.
                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
                                  June 30, 2004
                                   (Unaudited)

Note G - Stock-Based Compensation - continued
<TABLE>
<CAPTION>
                                                                                            Six Months
                                                                                          Ended June 30,
                                                                                      2004               2003
                                                                                ----------------  -----------------
Basic earnings per share:

<S>                                                                             <C>               <C>
As Reported..................................................................   $           1.61  $           1.11
                                                                                ================  ================

Pro forma....................................................................   $           1.61  $           1.11
                                                                                ================  ================

Diluted earnings per share:

As Reported..................................................................   $           1.59  $           1.10
                                                                                ================  ================

Pro forma....................................................................   $           1.59  $           1.10
                                                                                ================  ================
</TABLE>


The following information relates to options outstanding under the plan at June
30, 2004.
<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 $12.50......................................          66,240    10/25/11           7.32             39,744
01/17/03 Options with an Exercise
Price of $16.67......................................           7,200    01/17/13           8.55              2,880
12/22/03 Options with an Exercise
Price of $24.00......................................          14,000    12/22/13           9.48                 --
                                                       --------------                                   -----------

Total................................................          87,440                       7.76             42,624
                                                       ==============                                   ===========
</TABLE>

The following table presents the activity in the plan for the six months ended
June 30, 2004 and 2003:
<TABLE>
<CAPTION>

                                                                         Six Months Ended June 30,
                                                                    2004                          2003
                                                       -----------------------------  -----------------------------
                                                                         Weighted                       Weighted
                                                                          Average                        Average
                                                                         Exercise                       Exercise
                                                            Shares         Price           Shares         Price
                                                       --------------  -------------  -------------  --------------

<S>                    <C>                                     <C>     <C>                   <C>     <C>
Outstanding at January 1,............................          87,440  $       14.68         66,240  $        12.50
Granted..............................................              --           0.00          7,200           16.67
Forfeited............................................              --           0.00             --            0.00
Expired..............................................              --           0.00             --            0.00
                                                       --------------                 -------------

Outstanding at June 30,..............................          87,440          14.68         73,440           12.91
                                                       ==============                 =============

Exercisable at June 30,..............................         46,624           12.78         26,496           12.50
</TABLE>
                                       12
<PAGE>

                          FLORIDA COMMUNITY BANKS, INC.
                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
                                  June 30, 2004
                                   (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 June 30, 2004 and December 31, 2003:

<TABLE>
<CAPTION>

                                                                                    June 30,         December 31,
                                                                                      2004               2003
                                                                                ----------------  -----------------

<S>                                                                             <C>               <C>
Commitments to extend credit.................................................   $    133,422,000  $      99,186,000

Standby and commercial letters of credit.....................................          4,488,000          3,810,000
                                                                                ----------------  -----------------

Total commitments and contingencies..........................................   $    137,910,000  $     102,996,000
                                                                                ================  =================
</TABLE>





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                                       13
<PAGE>

                          FLORIDA COMMUNITY BANKS, INC.
                                  June 30, 2004


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  June  30,  2004,  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, 2003.

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

June 30, 2004 compared to December 31, 2003

The Bank continued its operations  concentrating  in the origination of loans in
southwestern  Florida.  As discussed  more fully below,  loans  increased  13.7%
during the first six months of 2004, while equity capital grew at about the same
rate (13.3%).  No significant  changes in operating  goals or policies  occurred
during 2004.

                                       14

<PAGE>

                          FLORIDA COMMUNITY BANKS, INC.
                                  June 30, 2004


Loans

Loans comprised the largest single  category of the Company's  earning assets on
June 30, 2004.  Loans, net of unearned income,  totaled 82.7% of total assets at
June 30, 2004 compared to 83.2% of total assets at December 31, 2003. During the
first  six  months  of  2004,  loans  increased  approximately  $60  million,  a
relatively  large  increase  compared with recent  periods.  The rapid influx of
population  to southwest  Florida  continued  to  influence  the demand for real
estate loans,  particularly  construction  and  development  loans.  That demand
during 2003 was tempered  somewhat by the national  economic  conditions,  which
included depressed stock market values, increased job losses, and lower economic
growth.

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  increased  $8.4  million  during  the first six  months of 2004 and
totaled $61 million at June 30, 2004.

Asset Quality

From December 31, 2003 to June 30, 2004,  the Company's  asset quality  improved
slightly 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 92.3% to 103.5%.  The percentage of nonperforming  assets to total
assets decreased from 3.27% to 1.35%, and the percentage of nonperforming  loans
to total loans decreased from 1.84% to 1.69%.  These ratios were affected by the
resolution  of loans to a  significant  borrower  during the first six months of
2004. Overall, the asset quality ratios are comparable to industry averages, and
management  is aware of no factors that would suggest that the Bank will perform
less well than its peer group in future periods.  In response to the decrease in
non-performing  loans during the past six months,  the allowance for loan losses
also has been  decreased  from 1.84% of loans at  December  31, 2003 to 1.69% at
June 30, 2004.

During the first six months of 2004, net  charge-offs  totaled $137 thousand and
the allowance for loan losses totaled $8.4 million,  a level thought adequate by
management.

Deposits

Total  deposits of $500.6  million at June 30, 2004  represented  an increase of
$77.4 million  (18.2%) from total  deposits of $423.3  million at year-end 2003.
The majority of the  increase was  attributable  to two deposit  sources:  money
market  accounts  and demand  deposit  accounts.  In  addition,  an  increase of
approximately $3.5 million in local customer  certificates of deposit,  Internet
certificates  of deposit  (gathered  by posting the Bank's  rates on an Internet
bulletin board accessed by various financial  institutions in the United States)
and  brokered  certificates  of deposit  occurred.  At June 30,  2004,  brokered
certificates  of deposit  totaled  approximately  $145.7  million  and  Internet
certificates of deposit totaled approximately $9.2 million.

Shareholders' Equity

Shareholders'  equity  increased $5.6 million from December 31, 2003 to June 30,
2004,  due to retained net income  during the six months ended June 30, 2004 and
the sale of common stock to the Company's  Employee  Stock  Ownership Plan ($465
thousand). On June 30, 2004 the Company and the Bank exceeded regulatory minimum
capital  ratio  requirements  and  qualified  as   well-capitalized   under  the
regulations of the Federal Reserve System, the State of Florida, and the FDIC.

                                       15

<PAGE>

                          FLORIDA COMMUNITY BANKS, INC.
                                  June 30, 2004


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  $194.6 million at June 30, 2004, and
there are approximately  $6.8 million of investment  securities  maturing within
one year.

The liability  portion of the balance sheet provides  liquidity through deposits
to various customers' interest-bearing and noninterest-bearing deposit accounts.
At June 30,  2004,  funds also were  available  through the  purchase of federal
funds  from  correspondent  commercial  banks from  available  lines of up to an
aggregate of $41.5 million and credit availability at the Federal Home Loan Bank
("FHLB") of up to 15% of assets (approximately $90 million) of which $50 million
is  available  and  unused.  At June 30,  2004,  the bank had unused  collateral
totaling  approximately $30 million, thus limiting the FHLB 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  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.  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 and the
2002 issue of  subordinated  debentures,  subject to  limitation,  totaled $57.7
million  at June 30,  2004.  Tier II  capital  components  include  supplemental
capital components such as qualifying  allowance for loan losses and the portion

                                       16
<PAGE>

                          FLORIDA COMMUNITY BANKS, INC.
                                  June 30, 2004


of the guaranteed  preferred  beneficial interest in the Company's  subordinated
debentures  which exceeds the allowable  Tier I capital  amount.  Tier I capital
plus the Tier II capital  components is referred to as Total Risk-Based  capital
and was $ 64.6 million at June 30, 2004.

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 June 30, 2004 and 2003

Summary

Net earnings of the Company for the three  months  ended June 30, 2004,  totaled
$3,266,186  compared to $2,127,325  for the same period in 2003,  representing a
53.5% increase.  The increase was due principally to a $1.6 million  increase in
net interest income. As explained more fully below, the increase in net interest
income was due to the combined effect of added loan volume and a drop in deposit
costs due to lower interest rates.

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  June 30,  2004
increased $1.6 million  (28.7%) from the same period in 2003.  This increase was
due primarily to increased loan interest  ($1.1 million) and decreased  interest
expense on deposits.  Loan interest income  increased due to an increase in loan
volume caused by the growth in land development and construction loans. Interest
expense  decreased  due to the  re-pricing  at lower  rates on  certificates  of
deposits  that matured  during 2003 and 2004.  Earning  assets  averaged  $560.5
million  during the second  quarter of 2004  compared  to $494.6  million in the
second quarter of 2003,  with most of the increase due to increased loan volume.
Average  interest-bearing  liabilities  increased from $415.8 million during the
second  quarter  of 2003 to  $428.4  million  during  the same  period  in 2004,
primarily due to an increase in the average balance of money market accounts and
certificates of deposit.

The  Company  was in an interest  sensitive  position  during 2003 with a larger
dollar   amount  of   interest-earning   assets   subject  to   repricing   than
interest-bearing  liabilities.  Therefore, during 2003 when rates were generally
declining,  the Company's loan and  investment  portfolios  rapidly  repriced at
lower rates and reduced the net interest margin. During 2003 the adjustable rate
on loans stopped declining  because a significant  portion of the Company's loan
portfolio consists of loans that have interest rate floors.  While the "floored"
loans were an advantage  when rates reached  historic lows during 2003 and 2004,
these loans also will not re-price upward until a relatively significant rise in
rates occurs.  Furthermore,  during periods when rates generally  increase,  the
Company's deposit costs will increase and net interest margins may be reduced as
rates rise.

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  nonaccruing  and past due
loans.  The  provision  for loan losses was $200  thousand  for the three months
ended June 30, 2004  compared to $300  thousand  during the same period in 2003.
Loans  charged off exceeded  recoveries by  approximately  $189 thousand for the
three months  ended June 30, 2004.  During the three months ended June 30, 2003,
net charged off loans totaled  approximately $20 thousand.  The reserve for loan
losses as a percent of outstanding  loans, net of unearned income,  was 1.69% at
June 30, 2004, compared to 1.84% at year-end 2003.

                                       17
<PAGE>

                          FLORIDA COMMUNITY BANKS, INC.
                                  June 30, 2004


 Noninterest Income

Noninterest  income for the three  months ended June 30,  2004,  was  $1,118,349
compared to $666,176 for the same period of 2003,  an increase of $452  thousand
(67.9%). The increase was primarily due to a gain of approximately $400 thousand
on the sale of excess land and office space at one of the branch  locations  due
to remodeling. During 2003, there was no similar gain from sale of fixed assets.

Noninterest Expenses

Noninterest  expenses for the three months ended June 30, 2004,  were $3,028,285
reflecting  an 14.4%  increase  from  the  same  period  of  2003.  The  primary
components of  noninterest  expenses are salaries and employee  benefits,  which
increased $329 thousand for the three months ended June 30, 2004 compared to the
same period in 2003,  caused by added staff in new  branches.  Occupancy  costs,
during this same  period,  increased  by  approximately  $31 thousand due to new
branch locations.

Income Taxes

The provision for income taxes of $1,975,145 for the three months ended June 30,
2004, increased $673 thousand compared to the same period of 2003, 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.


Six months ended June 30, 2004 and 2003

Summary

Net  earnings  of the Company for the six months  ended June 30,  2004,  totaled
$6,051,566  compared to $4,156,005  for the same period in 2003,  representing a
45.6% increase.  The increase was due principally to an increase in net interest
income after  provision for loan losses of $3.1 million  partially  offset by an
increase in non-interest expense of $671 thousand.

Net Interest Income

Net  interest  income of the Company  during the six months ended June 30, 2004,
increased $3.0 million  (28.7%) from the same period in 2003.  This increase was
due  primarily  to  increased  loan  interest  and lower  interest  expense  for
deposits.  The  increase in loan  interest  was caused  primarily  by added loan
volume during 2004.

The  Company  was in an asset  sensitive  position  during  2004 and 2003 with a
larger  dollar amount of  interest-earning  assets  subject to  re-pricing  than
interest-bearing  liabilities.  During  the first six  months of 2002 when rates
were generally declining, the Company's interest income reduced at a faster rate
than the cost of  liabilities.  During 2003 and 2004 rates  remained low and the
Company's cost of deposits also re-priced to lower rates,  thus  contributing to
the improved net interest  income.  In addition,  approximately  $200 million of
variable  rate loans have reached their  interest rate floor,  aiding in keeping
the average rate on the loan portfolio higher.

Provision for Loan Losses

The  provision  for loan losses was  $600,000  for the six months ended June 30,
2003 and $500,000 for the comparable period in 2004. The level of non-performing
loans  declined  significantly  (from $17.2 million to $8.1 million)  during the
period from  December 31, 2003 to June 30, 2004 and the loan loss  provision was
reduced accordingly.

                                       18

<PAGE>

                          FLORIDA COMMUNITY BANKS, INC.
                                  June 30, 2004


Noninterest Income

Noninterest  income  for the six  months  ended June 30,  2004,  was  $1,845,350
compared to  $1,292,658  for the same period of 2003.  The  increase  was caused
primarily by a gain of  approximately  $400  thousand on the sale of excess land
and office space at one of the branch locations due to remodeling.  During 2003,
there was no similar gain from sale of fixed assets.

Noninterest Expenses

Noninterest  expenses for the six months ended June 30, 2004, totaled $5,876,083
and  reflected  a 12.9%  increase  from the  same  period  of 2003.  Most of the
increase occurred in salary and employee benefit costs and occupancy expense due
to branch expansion.

Income Taxes

The provision  for income taxes of $3,654,835  for the six months ended June 30,
2004  increased  $1.1 million  compared to the same period of 2003 due to higher
pre-tax  earnings.  The effective tax rates of approximately  37.7% for 2004 and
37.8% for 2003 were  higher than the federal tax rate due to the effect of state
income tax, net of federal tax benefit.


Other Accounting Issues

In December of 2003,  the Financial  Accounting  Standards  Board (FASB) revised
Statement of Financial Accounting Standard (SFAS) No.132, Employers' Disclosures
about  Pensions  and  Other  Postretirement   Benefits  (SFAS  132)  to  require
additional  disclosures related to pensions and post retirement benefits.  While
retaining the existing  disclosure  requirements for pensions and postretirement
benefits,  additional  disclosures are required  related to pension plan assets,
obligations,  contributions  and net benefit costs,  beginning with fiscal years
ending after  December 15, 2003.  Additional  disclosures  pertaining to benefit
payments are required for fiscal years ending after June 30, 2004.  The SFAS 132
revisions also include additional disclosure  requirements for interim financial
reports  beginning  after  December 15,  2003.  The adoption of this SFAS is not
expected to have a material  impact on our results of  operations  or  financial
condition.

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 Its Application to Certain Investments,  effective for the first fiscal year
or interim  period  beginning  after June 15,  2004.  EITF  03-01  provides  new
disclosure requirements for other-than-temporary  impairments on debt and equity
investments.  Investors are required to disclose quantitative information about:
(i) the aggregate amount of unrealized  losses,  and (ii) the aggregate  related
fair values of investments with unrealized losses,  segregated into time periods
during which the investment has been in an unrealized loss position of less than
12 months and greater  than 12 months.  In addition,  investors  are required to
disclose the  qualitative  information  that supports their  conclusion that the
impairments  noted in the qualitative  disclosure are not  other-than-temporary.
The  adoption  of this EITF is not  expected  to have a  material  impact on our
results of operations or financial condition.

In March 2004, the Securities and Exchange  Commission  issued Staff  Accounting
Bulletin (SAB) issued 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.

                                       19
<PAGE>

                          FLORIDA COMMUNITY BANKS, INC.
                                  June 30, 2004


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 its  application  to have a material
impact on our consolidated financial position or results of operations.








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                                       20
<PAGE>

                          FLORIDA COMMUNITY BANKS, INC.
                                  June 30, 2004


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 June 30,  2004,  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. The
Company  believes  that an actual  change of  interest  rates  will occur over a
prolonged period of time, whereas,  during the period of change liabilities will
reprice faster than the assets and the Company will  experience a decline in its
net interest  margin. A prolong change in rates is anticipated to have an effect
inverse to the simulation  analysis  depicted in the following table. This table
depicts the results of the simulation  assuming one and two percent decrease and
increase in market interest rates.






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                                       21
<PAGE>

                          FLORIDA COMMUNITY BANKS, INC.
                                  June 30, 2004

<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.........................................  $    503,479    $     493,059    $     508,098    $      486,944
   Federal funds sold and other..................        16,820           16,800           16,831            16,789
   Securities....................................        42,629           40,546           43,433            39,174
                                                   ------------    -------------    -------------    --------------
     Total Interest-earning Assets...............       562,928          550,405          568,362           542,907
                                                   ------------    -------------    -------------    --------------

Interest-bearing Liabilities
   Deposits - Savings and demand.................       163,718          158,134          166,509           155,343
   Deposits - Time...............................       241,778          235,636          244,849           232,565
   Other borrowings..............................        40,971           39,029           41,942            38,058
                                                   ------------    -------------    -------------    --------------
     Total Interest-bearing Liabilities..........       446,467          432,799          453,300           425,966
                                                   ------------    -------------    -------------    --------------

Net Difference in Fair Value.....................  $    116,461    $     117,606    $     115,062    $      116,941
                                                   ============    =============    =============    ==============

Change in Net Interest Income....................  $       (496)   $         316    $      (1,024)   $          537
                                                   =============   =============    ==============   ==============
</TABLE>











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                                       22

<PAGE>

                          FLORIDA COMMUNITY BANKS, INC.
                                  June 30, 2004


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.








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                                       23
<PAGE>

                          FLORIDA COMMUNITY BANKS, INC.
                                  June 30, 2004


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 4 - Submission of Matters to a Vote of Security Holders

The Annual Meeting of Shareholders  (the "Annual  Meeting") of Florida Community
Banks,  Inc. was held on April 22,  2004,  to consider the election of directors
(Proposal I) and to allow  adjournment of the Annual Meeting if a quorum was not
present in person or by proxy  (Proposal  II), an issue made moot since a quorum
was present.

At the Annual Meeting,  2,573,196 shares were present in person or by proxy. The
following is a summary and tabulation of the matters that were voted upon at the
Annual Meeting:

PROPOSAL I. Election of Directors :
<TABLE>
<CAPTION>

                                                                                  FOR                 WITHHELD
<S>                                                                             <C>                       <C>
       Beauford E. Davidson                                                     2,572,001                 1,195
       Patrick B. Langford                                                      2,572,409                   787
       Lewis J. Nobles, Jr.                                                     2,572,409                   787
       John R. Olliff                                                           2,572,409                   787
       James O'Quinn                                                            2,572,409                   787
       Stephen L. Price                                                         2,572,409                   787
       Bernard T. Rasmussen                                                     2,572,409                   787
       R.A. Roberts                                                             2,572,409                   787
       Daniel G. Rosbough                                                       2,572,409                   787
       James E. Williams, Jr.                                                   2,572,409                   787
</TABLE>

PROPOSAL II.  Adjournment if Necessary:
<TABLE>
<CAPTION>

                                                             FOR                 AGAINST               ABSTAIN
                                                     ------------------    ------------------    ------------------
<S>                                                       <C>                     <C>                    <C>
                                                          2,538,372               31,745                 3,079

</TABLE>



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                                       24
<PAGE>

                          FLORIDA COMMUNITY BANKS, INC.
                                  June 30, 2004


   Item 6  - Exhibits and Reports on Form 8-K
<TABLE>
<CAPTION>

Exhibit No.                                               Exhibit                                          Page

    (a) Financial Statements, Financial Schedules and Exhibits.

<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,
          2003, 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).


                                       25
<PAGE>

                          FLORIDA COMMUNITY BANKS, INC.
                                  June 30, 2004


Exhibit No.                                               Exhibit                                          Page


     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 28

     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).                                     29

     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).                                     30

     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.                                                                                             31

     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.                                                                                             31

    (b) Reports on Form 8-K

          On April 7, 2004 Florida  Community Banks, Inc. filed a current report
          on Form 8-K in which  it  furnished  a press  release  announcing  its
          financial  results for the  three-month  period  ended March 31, 2004,
          pursuant  to  Item  12 -  Disclosure  of  Results  of  Operations  and
          Financial  Condition  in  accordance  with  Guidelines  issued  by the
          Securities and Exchange  Commission in Release 33-8216. A copy of this
          press release, dated April 7th 2004, was attached as an exhibit to the
          current report on Form 8-K.

          On April 30, 2004 Florida Community Banks, Inc. filed a current report
          on Form 8-K in which included information related to a presentation of
          historical  financial data made at its annual  shareholder  meeting on
          April  22,  2004,  pursuant  to Item 12 -  Disclosure  of  Results  of
          Operations  and  Financial  Condition in  accordance  with  Guidelines
          issued by the Securities and Exchange Commission in Release 33-8216. A
          copy of this  presentation,  dated April 22, 2004,  was attached as an
          exhibit to the current report on Form 8-K.
</TABLE>





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                                       26
<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                              August 11, 2004
             ---------------------------------------------     ---------------
              Stephen L. Price                                  Date
              President and Chief Executive Officer




              /s/ Thomas V. Ogletree                            August 11, 2004
             ---------------------------------------------     ---------------
              Thomas V. Ogletree                                Date
              Chief Financial Officer

                                       27
<PAGE>

                          FLORIDA COMMUNITY BANKS, INC.
                                  June 30, 2004


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 six-month  periods ended June 30, 2004
and 2003.  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                   Six Months
                                                               Ended June 30,                Ended June 30,
                                                     ------------------------------   -----------------------------
                                                          2004            2003             2004           2003
                                                     -------------    -------------   -------------  --------------

Basic Earnings Per Share:
<S>                                                  <C>              <C>             <C>            <C>
   Net income....................................    $   3,266,186    $   2,127,325   $   6,051,566  $    4,156,005
                                                     =============    =============   =============  ==============

   Earnings on common shares.....................    $   3,266,186    $   2,127,325   $   6,051,566  $    4,156,005
                                                     =============    =============   =============  ==============

   Weighted average common shares
     outstanding - basic.........................        3,766,384        3,747,641       3,761,235       3,747,641
                                                     =============    =============   =============  ==============

   Basic earnings per common share...............    $        0.87    $        0.57   $        1.61  $         1.11
                                                     =============    =============   =============  ==============

Diluted Earnings Per Share:
   Net income....................................    $   3,266,186    $   2,127,325   $   6,051,566  $    4,156,005
                                                     =============    =============   =============  ==============

   Weighted average common shares
     outstanding - diluted.......................        3,805,077        3,777,861       3,798,976       3,776,619
                                                     =============    =============   =============  ==============

   Diluted earnings per common share.............    $        0.86    $        0.56   $        1.59  $         1.10
                                                     =============    =============   =============  ==============
</TABLE>


                                       28
<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: August 11, 2004      By:   /s/  Stephen L. Price
                           -----------------------------------------------------
                           Stephen L. Price, President, Chief Executive Officer
                           and Chairman of the Board of Directors

                                       29
<PAGE>




Exhibit 31.2

                    CERTIFICATION OF CHIEF FINANCIAL OFFICER

I, Thomas V. Ogletree, 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:  August 11, 2004     By:   /s/  Thomas V. Ogletree
                                 -----------------------------------------------
                                Thomas V. Ogletree
                                Chief Financial Officer

                                       30
<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  June  30,  2004  ("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 operationsof the Company.





Date:   August 11, 2004         By:   /s/ Stephen L. Price
                                      ------------------------------------------
                                      Stephen L. Price
                                      President and Chief Executive Officer



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 June 30, 2004 ("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:   August 11, 2004        By:   /s/ Thomas V. Ogletree
                                     -------------------------------------------
                                     Thomas V. Ogletree
                                     Chief Financial Officer


                                       31