<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
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<INTEREST-TOTAL>                            16,987,082
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<EPS-PRIMARY>                                      .53
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