<ARTICLE> 9
<CIK> 0000944745
<NAME> FIRST CITIZENS BANC CORP.
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                       3,367,509
<INT-BEARING-DEPOSITS>                         347,282
<FED-FUNDS-SOLD>                             7,200,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 78,748,373
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     65,980,029
<ALLOWANCE>                                  1,908,051
<TOTAL-ASSETS>                             158,195,274
<DEPOSITS>                                 137,180,064
<SHORT-TERM>                                 1,361,817
<LIABILITIES-OTHER>                          3,301,903
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     4,000,000        
<OTHER-SE>                                  12,351,490
<TOTAL-LIABILITIES-AND-EQUITY>             158,195,274
<INTEREST-LOAN>                              5,812,836
<INTEREST-INVEST>                            4,883,487
<INTEREST-OTHER>                               414,023
<INTEREST-TOTAL>                            11,110,346
<INTEREST-DEPOSIT>                           6,796,697
<INTEREST-EXPENSE>                           6,865,286
<INTEREST-INCOME-NET>                        4,250,060
<LOAN-LOSSES>                                  694,805
<SECURITIES-GAINS>                           (106,629)
<EXPENSE-OTHER>                              2,351,442
<INCOME-PRETAX>                              1,272,778
<INCOME-PRE-EXTRAORDINARY>                   1,006,191
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,006,191
<EPS-PRIMARY>                                     5.03
<EPS-DILUTED>                                     5.03
<YIELD-ACTUAL>                                    7.40
<LOANS-NON>                                    764,000
<LOANS-PAST>                                   205,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,293,038
<CHARGE-OFFS>                                  128,162
<RECOVERIES>                                    48,370
<ALLOWANCE-CLOSE>                            1,908,051
<ALLOWANCE-DOMESTIC>                         1,908,051
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        136,893