<ARTICLE> 9
<LEGEND>
FINANCIAL STATEMENTS OF FIRST CHARTER CORPORATION FOR THE QUARTER ENDED
JUNE 30, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             DEC-31-1998
<PERIOD-END>                               JUN-30-1999
<CASH>                                          40,957
<INT-BEARING-DEPOSITS>                           4,002
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    324,931
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      1,374,225
<ALLOWANCE>                                     16,649
<TOTAL-ASSETS>                               1,792,050
<DEPOSITS>                                   1,129,451
<SHORT-TERM>                                   121,862
<LIABILITIES-OTHER>                             30,763
<LONG-TERM>                                    278,334
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       105,463
<OTHER-SE>                                     126,177
<TOTAL-LIABILITIES-AND-EQUITY>               1,792,060
<INTEREST-LOAN>                                 28,518
<INTEREST-INVEST>                                4,643
<INTEREST-OTHER>                                    71
<INTEREST-TOTAL>                                33,232
<INTEREST-DEPOSIT>                              10,954
<INTEREST-EXPENSE>                               5,156
<INTEREST-INCOME-NET>                           17,122
<LOAN-LOSSES>                                    1,250
<SECURITIES-GAINS>                                 274
<EXPENSE-OTHER>                                 11,695
<INCOME-PRETAX>                                  9,537
<INCOME-PRE-EXTRAORDINARY>                       9,537
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,521
<EPS-BASIC>                                       0.36
<EPS-DILUTED>                                     0.36
<YIELD-ACTUAL>                                    4.26
<LOANS-NON>                                      5,873
<LOANS-PAST>                                     5,553
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                15,554
<CHARGE-OFFS>                                    1,107
<RECOVERIES>                                       346
<ALLOWANCE-CLOSE>                               16,649
<ALLOWANCE-DOMESTIC>                            16,649
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0