FLC OF A FOKKER 100 TAKES EVASIVE ACTION TO AVOID A SKYDIVER DURING A VISUAL DSCNT AT 4000 FT AGL IN AN AREA OF KNOWN SKYDIVER ACTIVITY.

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WE WERE DSNDING IN EXCELLENT VMC ON AN IFR FLT PLAN INTO SWF (FROM FILPS INTXN). WHEN WE WERE STILL W OF THE RIDGELINE NEAR THE GLIDER PORT AT 6000 FT; I HAD A CLR VIEW OF SWF AND ASKED MY FO TO 'CALL' THE ARPT INSIGHT. AT THAT TIME; NEW YORK APCH CLRED US FOR THE VISUAL APCH IN TO RWY 27 AT SWF. AT THAT POINT; I DISENGAGED THE AUTOPLT AND BEGAN DSNDING AND TURNING TOWARD SWF. AS WE PASSED GARDNER ARPT (TO ITS N) I NOTICED A CESSNA BELOW ME WHICH I PRESUMED WAS HDG INTO ORANGE COUNTY AND A TWIN OTTER ABOVE ME BY ABOUT 1500 FT. I COMMENTED ON THE OTTER TO MY FO WHO IMMEDIATELY EXCLAIMED THERE WAS A PERSON DSNDING IN FRONT OF US. MY FO INSISTED VEHEMENTLY ON MY MAKING A HARD L TURN. I COMPLIED AND ALERTED (AS WE WERE CLR OF OUR CONFLICT VISUALLY) NEW YORK APCH. BOTH MY FO AND I WERE QUITE SHAKEN. AFTER WE LANDED; I CALLED SWF TWR TO CLARIFY DETAILS. I WISH I COULD SAY WHAT I MIGHT HAVE DONE DIFFERENTLY; HOWEVER; THIS IS AN AREA WHERE I HAVE PREVIOUSLY ALTERED COURSE 'LAST MIN' TO AVOID HANG GLIDERS AND I'M USUALLY VIGOROUSLY 'OUTSIDE' THE COCKPIT IN THIS AREA. THIS TIME; MY FO'S OUTSIDE SCAN WAS WHAT ALLOWED US TO AVOID A MISHAP.