<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