<ARTICLE> 9
<CIK> 0000719264
<NAME> FIRST CITIZENS BANCSHARES
<PERIOD-TYPE> 3-MOS 6-MOS 3-MOS 6-MOS
<FISCAL-YEAR-END> DEC-31-1995 JUN-30-1995 DEC-31-1994 JUN-30-1994
<PERIOD-END> JUN-30-1995 JUN-30-1995 JUN-30-1994 JUN-30-1994
<CASH> 11,381,000 11,381,000 8,452,000 8,452,000
<INT-BEARING-DEPOSITS> 0 0 0 0
<FED-FUNDS-SOLD> 5,950,000 5,590,000 1,400,000 1,400,000
<TRADING-ASSETS> 0 0 100,000 100,000
<INVESTMENTS-HELD-FOR-SALE> 19,148,000 19,148,000 18,429,000 18,429,000
<INVESTMENTS-CARRYING> 48,776,000 48,776,000 48,065,000 48,065,000
<INVESTMENTS-MARKET> 0 0 0 0
<LOANS> 185,360,000 185,360,000 165,306,000 165,306,000
<ALLOWANCE> 2,186,000 2,186,000 1,879,000 1,879,000
<TOTAL-ASSETS> 282,611,000 282,611,000 252,080,000 252,080,000
<DEPOSITS> 231,646,000 231,646,000 201,042,000 201,042,000
<SHORT-TERM> 16,449,000 16,449,000 22,453,000 22,453,000
<LIABILITIES-OTHER> 2,077,000 2,077,000 1,299,000 1,299,000
<LONG-TERM> 6,740,000 6,740,000 4,250,000 4,250,000
<COMMON> 729,000 729,000 709,000 709,000
<PREFERRED-MANDATORY> 0 0 0 0
<PREFERRED> 0 0 0 0
<OTHER-SE> 24,970,000 24,970,000 22,327,000 22,327,000
<TOTAL-LIABILITIES-AND-EQUITY> 282,611,000 282,611,000 252,080,000 252,080,000
<INTEREST-LOAN> 4,394,000 8,415,000 3,561,000 6,837,000
<INTEREST-INVEST> 1,169,000 2,314,000 930,000 1,783,000
<INTEREST-OTHER> 63,000 108,000 12,000 67,000
<INTEREST-TOTAL> 5,626,000 10,837,000 4,503,000 8,687,000
<INTEREST-DEPOSIT> 2,573,000 4,831,000 1,624,000 3,224,000
<INTEREST-EXPENSE> 2,891,000 5,418,000 1,846,000 3,593,000
<INTEREST-INCOME-NET> 2,735,000 5,419,000 2,657,000 5,094,000
<LOAN-LOSSES> 86,000 151,000 100,000 199,000
<SECURITIES-GAINS> 17,000 24,000 0 0
<EXPENSE-OTHER> 2,251,000 4,559,000 2,133,000 4,249,000
<INCOME-PRETAX> 1,089,000 2,054,000 1,116,000 2,286,000
<INCOME-PRE-EXTRAORDINARY> 723,000 1,366,000 752,000 1,579,000
<EXTRAORDINARY> 0 0 0 0
<CHANGES> 0 0 0 0
<NET-INCOME> 723,000 1,366,000 752,000 1,579,00
<EPS-PRIMARY> 1.00 1.89 1.06 2.23
<EPS-DILUTED> 1.00 1.89 1.06 2.23
<YIELD-ACTUAL> 4.22 4.18 4.56 4.37
<LOANS-NON> 902,000 902,000 889,000 889,000
<LOANS-PAST> 375,000 375,000 50,000 50,000
<LOANS-TROUBLED> 0 0 0 0
<LOANS-PROBLEM> 2,770,000 2,770,000 3,971,000 3,971,000
<ALLOWANCE-OPEN> 2,115,000 2,054,000 1,795,000 1,676,000
<CHARGE-OFFS> 56,000 116,000 50,000 74,000
<RECOVERIES> 41,000 97,000 34,000 78,000
<ALLOWANCE-CLOSE> 2,186,000 2,186,000 1,879,000 1,879,000
<ALLOWANCE-DOMESTIC> 2,186,000 2,186,000 1,879,000 1,879,000
<ALLOWANCE-FOREIGN> 0 0 0 0
<ALLOWANCE-UNALLOCATED> 0 0 0 0