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                                  EXHIBIT 23.5

                 CONSENT OF McDONALD & COMPANY SECURITIES, INC.


         We consent to the inclusion in the Proxy Statement/Prospectus of First
Citizens Banc Corp and The Farmers State Bank of New Washington of the use of
the form of our opinion and to the summarization of our opinion in the Proxy
Statement/Prospectus under the caption "Opinion of McDonald & Company." Further,
we consent to all references to our firm in such Proxy Statement/Prospectus.



                                             McDONALD & COMPANY SECURITIES, INC.



Cleveland, Ohio
December 9, 1997