<ARTICLE> 9
<CIK> 0000944745
<NAME> FIRST CITIZENS BANC CORP.
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                       2,878,136
<INT-BEARING-DEPOSITS>                         248,282
<FED-FUNDS-SOLD>                             6,600,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 77,897,747
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     63,369,803
<ALLOWANCE>                                  1,883,087
<TOTAL-ASSETS>                             153,772,316
<DEPOSITS>                                 133,517,195
<SHORT-TERM>                                   950,788
<LIABILITIES-OTHER>                          2,231,131
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     4,000,000        
<OTHER-SE>                                  13,073,202
<TOTAL-LIABILITIES-AND-EQUITY>             153,772,316
<INTEREST-LOAN>                              1,511,067
<INTEREST-INVEST>                            1,072,649
<INTEREST-OTHER>                               125,396
<INTEREST-TOTAL>                             2,709,112
<INTEREST-DEPOSIT>                           1,665,786
<INTEREST-EXPENSE>                           1,678,676
<INTEREST-INCOME-NET>                        1,030,436
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                515,137
<INCOME-PRETAX>                                494,187
<INCOME-PRE-EXTRAORDINARY>                     361,187
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   361,187
<EPS-PRIMARY>                                     1.81
<EPS-DILUTED>                                     1.81
<YIELD-ACTUAL>                                    7.20
<LOANS-NON>                                    837,000
<LOANS-PAST>                                   157,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,908,051
<CHARGE-OFFS>                                   28,000
<RECOVERIES>                                     3,036
<ALLOWANCE-CLOSE>                            1,883,087
<ALLOWANCE-DOMESTIC>                         1,883,087
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        136,893