UNITED STATES
                      SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


                                    FORM 8-K


 Current Report Pursuant to  Section  13 or 15(d) of the Securities and Exchange
                                   Act of 1934


                       Date of Report: September 29, 2000


                           FIRST BANKING CENTER, INC.
             (Exact Name of Registrant as Specified in its Charter)


                                    WISCONSIN
                            (State of Incorporation)


                   0-11132                   39-1391327
             (Commission File No.) (IRS Employer Identification No.)


                    400 Milwaukee Ave., Burlington, WI 53105
                    (Address of principal executive offices)


                                      53105
                                   (Zip Code)

                                 (262) 763-3581
              (Registrant's telephone number, including area code)





ITEM 4. CHANGES IN REGISTRANT'S CERTIFYING ACCOUNTANT.

At its board  meeting on  September  11,  2000 the Board of  Directors  of First
Banking Center,  Inc. engaged the accounting firm of McGladrey & Pullen,  LLP as
independent  accountants  for the Registrant  beginning  September 25, 2000. The
work of Virchow Krause & Company, LLP was terminated on September 25, 2000 after
the Form 10-Q reports for March 31 and June 30, 2000 were filed with the SEC.

During the two most recent fiscal years,  quarterly  periods ending March 31 and
June 30, 2000, and interim period  subsequent to June 30, 2000,  there have been
no disagreements with Virchow Krause & Company,  LLP on any matter of accounting
principles or practices,  financial statement  disclosure,  or auditing scope or
procedure or any reportable events.

Virchow Krause & Company,  LLP's report on the financial statements for the past
two years  contained  no adverse  opinion or  disclaimer  of opinion and was not
qualified or modified as to uncertainty, audit scope or accounting principles.

The Registrant has requested that Virchow Krause & Company,  LLP furnish it with
a letter addressed to the SEC stating whether or not it agrees with the above. A
copy of Virchow  Krause & Company,  LLP's  letter,  dated  September 27, 2000 is
filed as Exhibit 1 to the Form 8-K.

                                   SIGNATURES

Pursuant to the  requirements  of the  Securities  and Exchange Act of 1934, the
Registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned,  thereunto duly authorized,  in Burlington,  State of Wisconsin, on
September 29, 2000


First Banking Center, Inc.
    By:




Brantly Chappell
Chief Executive Officer





EXHIBIT 1

September 27, 2000



Securities and Exchange Commission
Washington, D.C. 20549

Gentleman:

We were previously  principal  accountants for First Banking Center, Inc. and on
January 13, 2000, we reported on the consolidated  financial statements of First
Banking Center, Inc. and Subsidiary as of and for the three years ended December
31, 1999. On September 25, 2000, we were  dismissed as principal  accountants of
First Banking Center, Inc. We have read First Banking Center,  Inc.'s statements
included  under Item 4 of its Form 8-K for September 29, 2000, and we agree with
such statements.

Very truly yours,



VIRCHOW, KRAUSE & COMPANY, LLP