1 As filed with the Securities and Exchange Commission on October 15, 1998 SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 14, 1998 ---------------- FIRST CHARTER CORPORATION - -------------------------------------------------------------------------------- (Exact name of registrant as specified in its charter) North Carolina 0-15829 56-1355866 - -------------------------------------------------------------------------------- (State or other (Commission (IRS Employer jurisdiction of File Number) Identification No.) incorporation) 22 Union Street, North, Concord, North Carolina 28026-0228 - -------------------------------------------------------------------------------- (Addresses, including zip codes, of principal executive offices) (704) 786-3300 - -------------------------------------------------------------------------------- (Registrant's telephone number, including area code) 2 Item 5 Other Events. On October 14, 1998, First Charter Corporation the registrant (the "Registrant") announced financial results for both the nine and three month periods ended September 30, 1998. Also on October 14, 1998, the Registrant announced a 13.3% increase in its fourth quarter dividend to $.17 per share from $.15 per share. A copy of the press release is included as Exhibit 99.1 to this Current Report on Form 8-K. Item 7 Financial Statements and Exhibits (c) The following exhibits are filed herewith: Exhibit No. Description - ----------- ----------- 99.1 News release disseminated on October 14, 1998 by First Charter Corporation 3 SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized. FIRST CHARTER CORPORATION By: /s/ Lawrence M. Kimbrough ------------------------------------- Lawrence M. Kimbrough President and Chief Executive Officer Dated: October 15, 1998 4 EXHIBIT INDEX Exhibit No. Description Sequential Page - ----------- ----------- No. ---------------- 99.1 News Release disseminated on October 14, 1998 by First Charter Corporation.