<ARTICLE> 9 <CIK> 0000944745 <NAME> FIRST CITIZENS BANC CORP. <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> JUN-30-1999 <CASH> 15,864,520 <INT-BEARING-DEPOSITS> 149,282 <FED-FUNDS-SOLD> 10,585,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 162,211,441 <INVESTMENTS-CARRYING> 654,874 <INVESTMENTS-MARKET> 660,578 <LOANS> 274,411,329 <ALLOWANCE> 4,458,393 <TOTAL-ASSETS> 482,517,508 <DEPOSITS> 407,582,532 <SHORT-TERM> 15,055,542 <LIABILITIES-OTHER> 4,646,004 <LONG-TERM> 2,228,082 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 23,257,520 <OTHER-SE> 29,747,828 <TOTAL-LIABILITIES-AND-EQUITY> 482,571,508 <INTEREST-LOAN> 11,556,813 <INTEREST-INVEST> 4,565,093 <INTEREST-OTHER> 362,050 <INTEREST-TOTAL> 16,483,956 <INTEREST-DEPOSIT> 7,224,511 <INTEREST-EXPENSE> 7,731,122 <INTEREST-INCOME-NET> 8,752,834 <LOAN-LOSSES> 156,000 <SECURITIES-GAINS> 730,861 <EXPENSE-OTHER> 7,125,844 <INCOME-PRETAX> 4,197,474 <INCOME-PRE-EXTRAORDINARY> 3,048,459 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,048,459 <EPS-BASIC> .71 <EPS-DILUTED> .71 <YIELD-ACTUAL> 3.71 <LOANS-NON> 1,609,000 <LOANS-PAST> 701,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,567,126 <CHARGE-OFFS> 401,052 <RECOVERIES> 136,319 <ALLOWANCE-CLOSE> 4,458,393 <ALLOWANCE-DOMESTIC> 4,458,393 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,388,687