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      As filed with the Securities and Exchange Commission on July 9, 1999



                       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):
                                  July 8, 1999
                                  ------------


                            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)


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Item 5            Other Events.

         On July 8, 1999, First Charter Corporation (the "Registrant") announced
financial results for the three month and six month periods ended June 30, 1999.
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 July 8, 1999 by First Charter
                  Corporation.



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                                   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 hereunto duly authorized.


                                          FIRST CHARTER CORPORATION


                                     By:  /s/Lawrence M. Kimbrough
                                          -------------------------------------
                                          Lawrence M. Kimbrough
                                          President and Chief Executive Officer

Dated:  July 9, 1999



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                                  EXHIBIT INDEX


Exhibit No.      Description                                   Sequential Page
- -----------      -----------                                   No.
                                                               ---
99.1             News Release disseminated on July 8,
                 1999 by First Charter Corporation.