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

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                          36,867
<INT-BEARING-DEPOSITS>                           4,978
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    342,037
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      1,384,714
<ALLOWANCE>                                     16,837
<TOTAL-ASSETS>                               1,819,879
<DEPOSITS>                                   1,136,606
<SHORT-TERM>                                   148,673
<LIABILITIES-OTHER>                             28,119
<LONG-TERM>                                    278,031
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        99,790
<OTHER-SE>                                     128,660
<TOTAL-LIABILITIES-AND-EQUITY>               1,819,879
<INTEREST-LOAN>                                 28,594
<INTEREST-INVEST>                                4,913
<INTEREST-OTHER>                                    44
<INTEREST-TOTAL>                                33,551
<INTEREST-DEPOSIT>                              10,897
<INTEREST-EXPENSE>                               5,451
<INTEREST-INCOME-NET>                           17,203
<LOAN-LOSSES>                                      375
<SECURITIES-GAINS>                                 225
<EXPENSE-OTHER>                                 11,649
<INCOME-PRETAX>                                 10,552
<INCOME-PRE-EXTRAORDINARY>                      10,552
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     7,118
<EPS-BASIC>                                       0.40
<EPS-DILUTED>                                     0.40
<YIELD-ACTUAL>                                    4.16
<LOANS-NON>                                      6,375
<LOANS-PAST>                                     4,114
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                15,554
<CHARGE-OFFS>                                    1,485
<RECOVERIES>                                       537
<ALLOWANCE-CLOSE>                               16,837
<ALLOWANCE-DOMESTIC>                            16,837
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0