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INDEPENDENT AUDITORS' CONSENT We consent to the incorporation by reference in this Registration Statement of FFLC Bancorp, Inc. (the "Company") on Form S-8 of our report dated January 14, 2000, appearing in and incorporated by reference in the Annual Report on Form 10-K of the Company for the year ended December 31, 1999. /s/ Hacker, Johnson & Smith, P.A. HACKER, JOHNSON & SMITH, P.A. Orlando, Florida January 5, 2001
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