Exhibit 31.1

**CERTIFICATION**

 

I, Stephen T. Kurtz, certify that: 

 

| 1. |     I have reviewed this Annual Report on Form 10-K ofFFLC Bancorp, Inc; |
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| 2. | Based on my knowledge, this report does not contain anyuntrue 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 statementswere made, not misleading with respect to the period covered by this report; |
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| 3. | Based on my knowledge, the financial statements, andother financial information included in this 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; |
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| 4. | The registrant’s other certifying officer[s] and I areresponsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control overfinancial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have: |
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(a) Designedsuch disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material informationrelating 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 isbeing prepared; 

 

(b) Designedsuch internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assuranceregarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accountingprinciples;

 

(c) Evaluatedthe effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosurecontrols and procedures, as of the end of the period covered by this report based on such evaluation; and 

 

(d) Disclosedin this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (theregistrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’sinternal control over financial reporting; and 

 

| 5. | The registrant’s other certifying officer[s] and Ihave disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of theregistrant’s board of directors (or persons performing the equivalent functions): |
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(a) Allsignificant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect theregistrant’s ability to record, process, summarize and report financial information; and 

 

(b) Anyfraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financialreporting.

 

 

|                Date:  April 29, 2005  |        | By:  /s/ Stephen T. Kurtz             |
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|                                                                                                                       |   | Stephen T. Kurtz, President andChief                                                              |
|                                                                                                                       |   |     Executive Officer                                                         |

 

 

 

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