<ARTICLE>            9
<LEGEND>     

THIS SCHEDULE (1) CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND INCOME STATEMENT OF FIRST CITIZENS BANCSTOCK,
INC. INCLUDED IN ITS QUARTERLY REPORT ON FORM 10-QSB FOR THE QUARTER ENDED
SEPTEMBER 30, 1995, AND (2) IS QUALIFIED IN ITS ENTIRETY TO SUCH FORM 10-QSB.


<MULTIPLIER>       1,000
       
                                                          
<PERIOD-START>                                               JAN-01-1995
<PERIOD-TYPE>                                                9-MOS
<FISCAL-YEAR-END>                                            DEC-31-1995
<PERIOD-END>                                                 SEP-30-1995
<CASH>                                                       7,179
<INT-BEARING-DEPOSITS>                                       150
<FED-FUNDS-SOLD>                                             11,602
<TRADING-ASSETS>                                             0
<INVESTMENTS-HELD-FOR-SALE>                                  65,703
<INVESTMENTS-CARRYING>                                       9,439
<INVESTMENTS-MARKET>                                         9,678
<LOANS>                                                      141,660
<ALLOWANCE>                                                  2,026
<TOTAL-ASSETS>                                               239,545
<DEPOSITS>                                                   211,695
<SHORT-TERM>                                                 0
<LIABILITIES-OTHER>                                          1,883
<LONG-TERM>                                                  0
<PREFERRED-MANDATORY>                                        0
<PREFERRED>                                                  0
<COMMON>                                                     1,308
<OTHER-SE>                                                   24,659
<TOTAL-LIABILITIES-AND-EQUITY>                               239,545
<INTEREST-LOAN>                                              10,208
<INTEREST-INVEST>                                            3,660
<INTEREST-OTHER>                                             275
<INTEREST-TOTAL>                                             14,143
<INTEREST-DEPOSIT>                                           5,225
<INTEREST-EXPENSE>                                           5,237
<INTEREST-INCOME-NET>                                        8,906
<LOAN-LOSSES>                                                250
<SECURITIES-GAINS>                                           0
<EXPENSE-OTHER>                                              6,137



<INCOME-PRETAX>                                              3,948
<INCOME-PRE-EXTRAORDINARY>                                   2,708
<EXTRAORDINARY>                                              0
<CHANGES>                                                    0
<NET-INCOME>                                                 2,708
<EPS-PRIMARY>                                                2.09
<EPS-DILUTED>                                                2.02
<YIELD-ACTUAL>                                               5.11
<LOANS-NON>                                                  429
<LOANS-PAST>                                                 382
<LOANS-TROUBLED>                                             0
<LOANS-PROBLEM>                                              1,590
<ALLOWANCE-OPEN>                                             1,919
<CHARGE-OFFS>                                                260
<RECOVERIES>                                                 117
<ALLOWANCE-CLOSE>                                            2,026
<ALLOWANCE-DOMESTIC>                                         2,026
<ALLOWANCE-FOREIGN>                                          0
<ALLOWANCE-UNALLOCATED>                                      0