<ARTICLE> 9
<CIK> 0000944745
<NAME> FIRST CITIZENS BANC CORP
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                      14,351,356
<INT-BEARING-DEPOSITS>                         248,282
<FED-FUNDS-SOLD>                            16,270,000
<TRADING-ASSETS>                                     0
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<ALLOWANCE>                                  4,475,703
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<DEPOSITS>                                 412,077,165
<SHORT-TERM>                                13,752,514
<LIABILITIES-OTHER>                          6,037,223
<LONG-TERM>                                  3,359,262
<PREFERRED-MANDATORY>                                0
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<COMMON>                                    23,257,520
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<INTEREST-TOTAL>                             8,299,884
<INTEREST-DEPOSIT>                           3,649,220
<INTEREST-EXPENSE>                           3,969,616
<INTEREST-INCOME-NET>                        4,330,268
<LOAN-LOSSES>                                   68,000
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<EXPENSE-OTHER>                              3,582,583
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<EXTRAORDINARY>                                      0
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<EPS-PRIMARY>                                      .44
<EPS-DILUTED>                                      .44
<YIELD-ACTUAL>                                    3.75
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<LOANS-PAST>                                 1,235,000
<LOANS-TROUBLED>                                     0
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<ALLOWANCE-FOREIGN>                                  0
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