<ARTICLE> 9 <CIK> 0000944745 <NAME> FIRST CITIZENS BANC CORP <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> MAR-31-2000 <CASH> 16,171,860 <INT-BEARING-DEPOSITS> 51,031 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 131,131,047 <INVESTMENTS-CARRYING> 370,980 <INVESTMENTS-MARKET> 369,180 <LOANS> 309,559,773 <ALLOWANCE> 4,286,579 <TOTAL-ASSETS> 474,328,493 <DEPOSITS> 395,215,834 <SHORT-TERM> 27,320,424 <LIABILITIES-OTHER> 2,528,093 <LONG-TERM> 1,683,386 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 23,257,520 <OTHER-SE> 24,323,236 <TOTAL-LIABILITIES-AND-EQUITY> 474,328,493 <INTEREST-LOAN> 12,339,966 <INTEREST-INVEST> 4,025,061 <INTEREST-OTHER> 64,932 <INTEREST-TOTAL> 16,429,959 <INTEREST-DEPOSIT> 6,869,905 <INTEREST-EXPENSE> 7,420,039 <INTEREST-INCOME-NET> 9,009,920 <LOAN-LOSSES> 215,000 <SECURITIES-GAINS> (43,966) <EXPENSE-OTHER> 7,417,080 <INCOME-PRETAX> 3,515,248 <INCOME-PRE-EXTRAORDINARY> 2,569,154 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,569,154 <EPS-BASIC> .62 <EPS-DILUTED> .62 <YIELD-ACTUAL> 3.83 <LOANS-NON> 1,245,000 <LOANS-PAST> 1,308,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,273,825 <CHARGE-OFFS> 351,027 <RECOVERIES> 148,781 <ALLOWANCE-CLOSE> 4,286,579 <ALLOWANCE-DOMESTIC> 4,286,579 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,890,154