<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