<ARTICLE> 9 <CIK> 0000944745 <NAME> FIRST CITIZENS BANC CORP <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> SEP-01-1998 <CASH> 19,264,852 <INT-BEARING-DEPOSITS> 248,282 <FED-FUNDS-SOLD> 15,805,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 160,805,044 <INVESTMENTS-CARRYING> 2,218,580 <INVESTMENTS-MARKET> 2,242,436 <LOANS> 280,422,591 <ALLOWANCE> 4,681,443 <TOTAL-ASSETS> 495,009,602 <DEPOSITS> 406,375,958 <SHORT-TERM> 17,153,800 <LIABILITIES-OTHER> 3,833,596 <LONG-TERM> 13,555,089 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 23,257,520 <OTHER-SE> 30,833,639 <TOTAL-LIABILITIES-AND-EQUITY> 495,009,602 <INTEREST-LOAN> 18,335,628 <INTEREST-INVEST> 6,520,465 <INTEREST-OTHER> 738,605 <INTEREST-TOTAL> 25,594,698 <INTEREST-DEPOSIT> 11,982,405 <INTEREST-EXPENSE> 13,003,324 <INTEREST-INCOME-NET> 12,591,374 <LOAN-LOSSES> 299,000 <SECURITIES-GAINS> 20,580 <EXPENSE-OTHER> 10,534,013 <INCOME-PRETAX> 4,783,232 <INCOME-PRE-EXTRAORDINARY> 3,445,135 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,445,135 <EPS-PRIMARY> .81 <EPS-DILUTED> .81 <YIELD-ACTUAL> 3.65 <LOANS-NON> 1,842,000 <LOANS-PAST> 37,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,707,051 <CHARGE-OFFS> 495,288 <RECOVERIES> 170,680 <ALLOWANCE-CLOSE> 4,681,443 <ALLOWANCE-DOMESTIC> 4,681,443 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 2,052,445