<ARTICLE> 9
<CIK> 0000944745
<NAME> FIRST CITIZENS BANC CORP 
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                      13,753,871
<INT-BEARING-DEPOSITS>                               0
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<LONG-TERM>                                 15,382,102
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<LOAN-LOSSES>                                   98,500
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<INCOME-PRETAX>                              1,259,917
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<EPS-PRIMARY>                                      .30
<EPS-DILUTED>                                      .30
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