<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
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<INVESTMENTS-CARRYING>                       2,218,580
<INVESTMENTS-MARKET>                         2,242,436
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<ALLOWANCE>                                  4,681,443
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<DEPOSITS>                                 406,375,958
<SHORT-TERM>                                17,153,800
<LIABILITIES-OTHER>                          3,833,596
<LONG-TERM>                                 13,555,089
<PREFERRED-MANDATORY>                                0
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<COMMON>                                    23,257,520
<OTHER-SE>                                  30,833,639
<TOTAL-LIABILITIES-AND-EQUITY>             495,009,602
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<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
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<EXPENSE-OTHER>                             10,534,013
<INCOME-PRETAX>                              4,783,232
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<EXTRAORDINARY>                                      0
<CHANGES>                                            0
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<EPS-PRIMARY>                                      .81
<EPS-DILUTED>                                      .81
<YIELD-ACTUAL>                                    3.65
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<LOANS-PAST>                                    37,000
<LOANS-TROUBLED>                                     0
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<ALLOWANCE-FOREIGN>                                  0
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