8-K
1
flcb8k011905.txt
FLORIDA COMMUNITY BANKS, INC. FORM 8-K

                       SECURITIES AND EXCHANGE COMMISSION
                                Washington, D.C.


                                    FORM 8-K

                                 CURRENT REPORT

                       PURSUANT TO SECTION 13 OR 15(d) OF
                       THE SECURITIES EXCHANGE ACT OF 1934


       Date of Report (date of earliest event reported): January 19, 2005



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




 Florida                          000-1170902                    35-2164765
 -------                          -----------                    ----------
(State or other              Commission File Number           (I.R.S. Employer
jurisdiction Of                                              Identification No.)
 incorporation



                1400 North 15th Street, Immokalee, Florida 34142
                    (address of principal executive offices)

                  Registrant's telephone number: (239) 657-3171




                                 Not Applicable

          (Former name or former address, if changed since last report)





ITEM 2.02.        Results of Operation and Financial Condition

     On January 19, 2005,  Florida  Community Banks, Inc. issued a press release
announcing its financial results for the year ended December 31, 2004. A copy of
the press release is furnished as Exhibit 99.1 to this report.

ITEM 9.01.        Financial Statements and Exhibits.

(c) Exhibits.

The following exhibit is being furnished with this Report:

99.1   Press Release (solely furnished and not filed for purposes of Item 9.01).

SIGNATURE

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

Date:    January 19, 2005

Florida Community Banks, Inc.
(Registrant)


By:      /s/ Thomas V. Ogletree
         Thomas V. Ogletree
         Executive Vice President and Chief Financial Officer


                                                             EXHIBIT INDEX

Exhibit No.                Description

     99.1                  Press Release





                                  EXHIBIT 99.1

[GRAPHIC OMITTED][GRAPHIC OMITTED]
1400 N. 15th Street
Immokalee, FL 34142
Ph: 239-657-3171
Fax: 239-657-2393

                                  PRESS RELEASE
SUBJECT: Florida Community Banks, Inc. 2004 Earnings
DATE: January 19, 2005

                          Florida Community Banks, Inc.
                                  2004 Earnings

     Florida  Community Banks, Inc. reported that unaudited net income increased
45.8% in 2004 compared to 2003.  Net income was  $12,241,932  ($2.68 per diluted
share) for the year ending  December 31, 2004 compared to $8,396,549  ($1.85 per
diluted  share)  during  2003.

     CEO Stephen L. Price stated, "The significant  increase in net income was a
direct  result of improved net interest  income caused  significantly  by higher
loan volume. In addition, the bank has done a good job controlling the growth in
its  non-interest  expenses."  Price further stated  "Florida  Community Bank is
consistently  one of the highest  performing  banks in Florida  because it has a
strategy to improve earnings every year so the bank will continue to be owned by
shareholders in the local community. This is in contrast to many community banks
that are simply  trying to grow a customer  base so they can take their  profits
when they sell those customers to a larger bank."

     Florida  Community  Banks,  Inc. is a $661 million  commercial bank holding
company which  specializes  in commercial  lending.  In January 2005 the Company
opened its tenth full service banking  facility,  located on Del Prado Boulevard
in Cape Coral.  Florida  Community  Banks,  Inc. has been serving SW Florida for
over 80 years, with offices in Hendry, Collier, Lee, and Charlotte counties. The
Company's  4,519,321  shares  of  outstanding  stock  are owned by more than 900
shareholders, predominantly residing in the four counties served by the company.
Florida  Community Banks, Inc.  corporate  headquarters is located in Immokalee,
Florida.






The following information was filed by Florida Community Banks Inc on Wednesday, January 19, 2005 as an 8K 2.02 statement, which is an earnings press release pertaining to results of operations and financial condition. It may be helpful to assess the quality of management by comparing the information in the press release to the information in the accompanying 10-K Annual Report statement of earnings and operation as management may choose to highlight particular information in the press release.

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