<ARTICLE> 9
<CIK> 0000944745
<NAME> FIRST CITIZENS BANC CORP
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                      12,314,467
<INT-BEARING-DEPOSITS>                               0
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<EPS-PRIMARY>                                      .92
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