Here's the scoop, at least as I understand it right now.
In a transfer of a firearm between residents of different states, the RECIPIENT must utilize a local FFL for the transfer. The sender is not required to use a FFL to transfer the gun to the receiving FFL. The sender IS responsible for receiving verification that the gun is actually going to a legitimate holder of a FFL.
Since this trade involves firearms, the one trading the firearms to another is considered to be the seller of the firearms. Since he is in Montgomery, and therefore out of state, the recipient must utilize a FFL for the transfer of ownership, and therefore fill out the necessary paperwork when picking up the firearms from the local FFL.
The important legal criteria here is "residency". Although the guy can drive down into Florida, he will still be a resident of Alabama, regardless of where he physically is located at the time of the transfer. So meeting him in person and directly transferring the guns from him to you without a FFL involved, is against federal law for both parties involved.
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