<ARTICLE> 9
<CIK> 0000944745
<NAME> FIRST CITIZENS BANC CORP
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                      12,953,420
<INT-BEARING-DEPOSITS>                     217,169,912
<FED-FUNDS-SOLD>                             9,450,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 59,342,986
<INVESTMENTS-CARRYING>                      11,359,219
<INVESTMENTS-MARKET>                        11,530,561
<LOANS>                                    200,251,342
<ALLOWANCE>                                  2,648,865
<TOTAL-ASSETS>                             302,722,747
<DEPOSITS>                                 238,501,901
<SHORT-TERM>                                11,357,337
<LIABILITIES-OTHER>                          1,667,491
<LONG-TERM>                                 15,957,237
<COMMON>                                    15,257,520
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                           0
<TOTAL-LIABILITIES-AND-EQUITY>             302,722,747
<INTEREST-LOAN>                             12,741,121
<INTEREST-INVEST>                            3,324,848
<INTEREST-OTHER>                               176,650
<INTEREST-TOTAL>                            16,242,619
<INTEREST-DEPOSIT>                           5,966,755
<INTEREST-EXPENSE>                           6,940,542
<INTEREST-INCOME-NET>                        9,302,077
<LOAN-LOSSES>                                  238,500
<SECURITIES-GAINS>                              17,850
<EXPENSE-OTHER>                              7,429,154
<INCOME-PRETAX>                              4,162,975
<INCOME-PRE-EXTRAORDINARY>                   4,162,975
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 3,005,391
<EPS-PRIMARY>                                      .98
<EPS-DILUTED>                                      .98
<YIELD-ACTUAL>                                    7.79
<LOANS-NON>                                    859,000
<LOANS-PAST>                                   761,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                              1,558,000
<ALLOWANCE-OPEN>                             2,602,000
<CHARGE-OFFS>                                  288,831
<RECOVERIES>                                    97,196
<ALLOWANCE-CLOSE>                            2,648,865
<ALLOWANCE-DOMESTIC>                         2,648,865
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0