<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