<ARTICLE> 9 <CIK> 0000944745 <NAME>First Citizens Banc Corp <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1998 <PERIOD-END> MAR-31-1998 <CASH> 11,935,231 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 12,540,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 62,726,700 <INVESTMENTS-CARRYING> 4,601,684 <INVESTMENTS-MARKET> 4,646,843 <LOANS> 221,301,202 <ALLOWANCE> 2,821,613 <TOTAL-ASSETS> 327,957,134 <DEPOSITS> 267,320,405 <SHORT-TERM> 9,544,071 <LIABILITIES-OTHER> 1,604,260 <LONG-TERM> 14,182,740 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 15,257,520 <OTHER-SE> 20,048,138 <TOTAL-LIABILITIES-AND-EQUITY> 327,957,134 <INTEREST-LOAN> 4,773,417 <INTEREST-INVEST> 916,456 <INTEREST-OTHER> 140,945 <INTEREST-TOTAL> 5,830,818 <INTEREST-DEPOSIT> 2,286,183 <INTEREST-EXPENSE> 2,601,398 <INTEREST-INCOME-NET> 3,229,420 <LOAN-LOSSES> 108,000 <SECURITIES-GAINS> 19,580 <EXPENSE-OTHER> 2,744,307 <INCOME-PRETAX> 1,269,390 <INCOME-PRE-EXTRAORDINARY> 899,232 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 899,232 <EPS-PRIMARY> .29 <EPS-DILUTED> .29 <YIELD-ACTUAL> 4.43 <LOANS-NON> 1,338,000 <LOANS-PAST> 1,188,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,799,000 <CHARGE-OFFS> 128,216 <RECOVERIES> 42,829 <ALLOWANCE-CLOSE> 2,821,613 <ALLOWANCE-DOMESTIC> 2,821,613 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,543,906