<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 <INVESTMENTS-HELD-FOR-SALE> 163,610,803 <INVESTMENTS-CARRYING> 700,386 <INVESTMENTS-MARKET> 708,338 <LOANS> 275,340,240 <ALLOWANCE> 4,475,703 <TOTAL-ASSETS> 488,041,082 <DEPOSITS> 412,077,165 <SHORT-TERM> 13,752,514 <LIABILITIES-OTHER> 6,037,223 <LONG-TERM> 3,359,262 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 23,257,520 <OTHER-SE> 30,557,398 <TOTAL-LIABILITIES-AND-EQUITY> 488,041,082 <INTEREST-LOAN> 5,800,900 <INTEREST-INVEST> 2,302,310 <INTEREST-OTHER> 196,854 <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 <SECURITIES-GAINS> 727,304 <EXPENSE-OTHER> 3,582,583 <INCOME-PRETAX> 2,584,452 <INCOME-PRE-EXTRAORDINARY> 1,855,581 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,855,581 <EPS-PRIMARY> .44 <EPS-DILUTED> .44 <YIELD-ACTUAL> 3.75 <LOANS-NON> 1,693,000 <LOANS-PAST> 1,235,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,567,126 <CHARGE-OFFS> 215,949 <RECOVERIES> 56,526 <ALLOWANCE-CLOSE> 4,475,703 <ALLOWANCE-DOMESTIC> 4,475,703 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,410,460