<ARTICLE> 9 <CIK> 0000944745 <NAME> FIRST CITIZENS BANC CORP <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> JUN-30-1998 <CASH> 16,799,294 <INT-BEARING-DEPOSITS> 248,282 <FED-FUNDS-SOLD> 16,825,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 151,287,836 <INVESTMENTS-CARRYING> 3,256,748 <INVESTMENTS-MARKET> 3,284,333 <LOANS> 280,181,506 <ALLOWANCE> 4,682,281 <TOTAL-ASSETS> 486,520,705 <DEPOSITS> 402,414,486 <SHORT-TERM> 13,513,487 <LIABILITIES-OTHER> 3,682,623 <LONG-TERM> 13,870,499 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 23,257,520 <OTHER-SE> 29,782,090 <TOTAL-LIABILITIES-AND-EQUITY> 486,520,705 <INTEREST-LOAN> 12,306,292 <INTEREST-INVEST> 4,198,591 <INTEREST-OTHER> 482,199 <INTEREST-TOTAL> 16,987,082 <INTEREST-DEPOSIT> 7,950,836 <INTEREST-EXPENSE> 8,609,901 <INTEREST-INCOME-NET> 8,377,181 <LOAN-LOSSES> 216,000 <SECURITIES-GAINS> 19,580 <EXPENSE-OTHER> 6,963,457 <INCOME-PRETAX> 3,159,003 <INCOME-PRE-EXTRAORDINARY> 2,269,560 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,269,560 <EPS-PRIMARY> .53 <EPS-DILUTED> .53 <YIELD-ACTUAL> 3.66 <LOANS-NON> 2,136,000 <LOANS-PAST> 1,151,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,707,051 <CHARGE-OFFS> 367,266 <RECOVERIES> 126,496 <ALLOWANCE-CLOSE> 4,682,281 <ALLOWANCE-DOMESTIC> 4,682,281 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,806,471