<ARTICLE> 9
<CIK> 0000719264
<NAME> FIRST CITIZENS BANCSHARES
<PERIOD-TYPE> 3-MOS 3-MOS 9-MOS 9-MOS
<FISCAL-YEAR-END> DEC-31-1995 DEC-31-1994 SEP-30-1995 SEP-30-1994
<PERIOD-END> SEP-30-1995 SEP-30-1994 SEP-30-1995 SEP-30-1994
<CASH> 11,407,000 8,452,000 1,407,000 8,452,000
<INT-BEARING-DEPOSITS> 0 0 0 0
<FED-FUNDS-SOLD> 0 1,400,000 0 1,400,000
<TRADING-ASSETS> 0 100,000 0 100,000
<INVESTMENTS-HELD-FOR-SALE> 20,092,000 18,429,000 20,092,000 18,429,000
<INVESTMENTS-CARRYING> 47,328,000 48,065,000 47,328,000 48,065,000
<INVESTMENTS-MARKET> 0 0 0 0
<LOANS> 192,170,000 165,306,000 192,170,000 165,306,000
<ALLOWANCE> 2,247,000 1,879,000 2,247,000 1,879,000
<TOTAL-ASSETS> 283,878,000 252,080,000 283,878,000 252,080,000
<DEPOSITS> 230,055,000 201,042,000 230,055,000 201,042,000
<SHORT-TERM> 17,689,000 22,453,000 17,689,000 22,453,000
<LIABILITIES-OTHER> 3,093,000 1,299,000 3,093,000 1,299,000
<LONG-TERM> 6,696,000 4,250,000 6,696,000 4,250,000
<COMMON> 731,000 709,000 731,000 709,000
<PREFERRED-MANDATORY> 0 0 0 0
<PREFERRED> 0 0 0 0
<OTHER-SE> 25,614,000 22,327,000 25,614,000 22,327,000
<TOTAL-LIABILITIES-AND-EQUITY> 283,878,000 252,080,000 283,878,000 252,080,000
<INTEREST-LOAN> 4,646,000 3,858,000 13,061,000 10,695,000
<INTEREST-INVEST> 1,076,000 933,000 3,390,000 2,716,000
<INTEREST-OTHER> 41,000 11,000 149,000 78,000
<INTEREST-TOTAL> 5,763,000 4,802,000 16,600,000 13,489,000
<INTEREST-DEPOSIT> 2,635,000 1,863,000 7,466,000 5,087,000
<INTEREST-EXPENSE> 2,950,000 2,140,000 8,368,000 5,733,000
<INTEREST-INCOME-NET> 2,813,000 2,662,000 8,232,000 7,756,000
<LOAN-LOSSES> 107,000 102,000 258,000 301,000
<SECURITIES-GAINS> 36,000 0 60,000 0
<EXPENSE-OTHER> 2,267,000 2,100,000 6,826,000 6,349,000
<INCOME-PRETAX> 1,161,000 1,134,000 3,215,000 3,420,000
<INCOME-PRE-EXTRAORDINARY> 755,000 757,000 2,121,000 2,336,000
<EXTRAORDINARY> 0 0 0 0
<CHANGES> 0 0 0 0
<NET-INCOME> 755,000 757,000 2,121,000 2,336,000
<EPS-PRIMARY> 1.04 1.07 2.93 3.30
<EPS-DILUTED> 1.04 1.07 2.93 3.30
<YIELD-ACTUAL> 4.33 4.56 4.23 4.43
<LOANS-NON> 893,000 816,000 893,000 816,000
<LOANS-PAST> 315,000 150,000 315,000 150,000
<LOANS-TROUBLED> 0 0 0 0
<LOANS-PROBLEM> 2,665,000 3,274,000 2,665,000 3,274,000
<ALLOWANCE-OPEN> 2,186,000 1,879,000 2,054,000 1,676,000
<CHARGE-OFFS> 80,000 44,000 196,000 118,000
<RECOVERIES> 34,000 48,000 131,000 126,000
<ALLOWANCE-CLOSE> 2,247,000 1,985,000 2,247,000 1,985,000
<ALLOWANCE-DOMESTIC> 2,247,000 1,985,000 2,247,000 1,985,000
<ALLOWANCE-FOREIGN> 0 0 0 0
<ALLOWANCE-UNALLOCATED> 0 0 0 0