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                                  EXHIBIT 99.1

                              [FRONT OF PROXY CARD]

                   FIRST CITIZENS BANC CORP OF SANDUSKY, OHIO


         THIS PROXY IS SOLICITED ON BEHALF OF THE BOARD OF DIRECTORS
         AND UNLESS OTHERWISE MARKED WILL BE VOTED FOR THE PROPOSAL.
                                                   ---

         KNOW ALL MEN BY THESE PRESENTS, that the undersigned shareholder(s) of
First Citizens Banc Corp (hereinafter called "Corporation") hereby constitute(s)
and appoint(s) Richard O. Wagner, Paul H. Pheiffer and Leland J. Welty, or each
of them, proxies and attorneys of the undersigned, with full power of
substitution, for and in the name of the undersigned, to attend the Special
Meeting of the Shareholders of said Corporation to be held January __, 1998, at
2:00 P.M. E.S.T. and any adjournment or adjournments thereof, and thereat to
vote as specified below:


1.     PROPOSAL to adopt the Agreement and Plan of Reorganization dated as of
       July 3, 1997, as amended November 25, 1997 and November 26, 1997, by and
       between the Corporation and The Farmers State Bank of New Washington,
       Ohio ("Farmers") and the related Merger Agreement by and among the
       Corporation, Farmers and Farmers Interim Bank, a wholly-owned interim
       bank subsidiary of First Citizens ("Interim Bank"), and to approve the
       transactions contemplated thereby, including the merger of Interim Bank
       with and into Farmers.

                  [  ] FOR                                    [  ] AGAINST


2.     To transact such other business as may properly come before the meeting
       or any adjournment thereof.


A VOTE FOR THE PROPOSAL IS RECOMMENDED BY THE BOARD OF DIRECTORS.
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                              [BACK OF PROXY CARD]

          All shares represented by properly executed proxies will be voted as
directed. IF NO SPECIFIC VOTE IS GIVEN, THIS PROXY WILL BE VOTED IN FAVOR OF THE
PROPOSAL. If any other business is presented at said meeting, the proxy shall be
voted in accordance with the recommendations of management. All Proxies
previously given are hereby revoked. This proxy is solicited on behalf of the
Board of Directors and may be revoked prior to its exercise by either written
notice or notice in person at the meeting, or by subsequently dated proxy.
Receipt of the accompanying Proxy Statement/Prospectus is hereby acknowledged.

                             Signature
                                        ---------------------------------------
                             Print Name
                                       ----------------------------------------
                             Date
                                  ---------------------------------------------


          Please sign exactly as your name appears on the label above and return
this Proxy promptly in the accompanying envelope. If the shares are issued in
the names of two or more persons, all persons should sign the Proxy. If the
shares are issued in the name of a corporation or partnership, please sign in
the corporate name, by the president or other authorized officer, or in the
partnership name, by an authorized person. When signing as attorney, executor,
administrator, trustee, guardian or in any other representative capacity, please
give your full title as such.

[ ] Please check this box if you are planning to attend the Special Meeting of
    Shareholders.