<ARTICLE> 9 <CIK> 0000944745 <NAME> FIRST CITIZENS BANC CORP <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> MAR-31-2000 <CASH> 17,950,413 <INT-BEARING-DEPOSITS> 51,031 <FED-FUNDS-SOLD> 8,180,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 145,588,408 <INVESTMENTS-CARRYING> 386,386 <INVESTMENTS-MARKET> 384,698 <LOANS> 295,994,339 <ALLOWANCE> 4,252,233 <TOTAL-ASSETS> 487,474,508 <DEPOSITS> 425,486,425 <SHORT-TERM> 10,404,303 <LIABILITIES-OTHER> 2,703,318 <LONG-TERM> 1,822,140 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 23,257,520 <OTHER-SE> 23,800,802 <TOTAL-LIABILITIES-AND-EQUITY> 487,474,508 <INTEREST-LOAN> 5,935,049 <INTEREST-INVEST> 2,062,984 <INTEREST-OTHER> 47,005 <INTEREST-TOTAL> 8,045,038 <INTEREST-DEPOSIT> 3,441,590 <INTEREST-EXPENSE> 3,620,401 <INTEREST-INCOME-NET> 4,424,637 <LOAN-LOSSES> 95,000 <SECURITIES-GAINS> (1,108) <EXPENSE-OTHER> 3,643,962 <INCOME-PRETAX> 1,804,538 <INCOME-PRE-EXTRAORDINARY> 1,305,374 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,305,374 <EPS-BASIC> .32 <EPS-DILUTED> .32 <YIELD-ACTUAL> 3.87 <LOANS-NON> 1,339,000 <LOANS-PAST> 787,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,273,825 <CHARGE-OFFS> 163,379 <RECOVERIES> 46,787 <ALLOWANCE-CLOSE> 4,252,233 <ALLOWANCE-DOMESTIC> 4,252,233 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,962,619