<ARTICLE> 9 <CIK> 0000944745 <NAME> FIRST CITIZENS BANC CORP <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> SEP-30-1999 <CASH> 15,413,537 <INT-BEARING-DEPOSITS> 51,031 <FED-FUNDS-SOLD> 16,035,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 157,237,187 <INVESTMENTS-CARRYING> 542,752 <INVESTMENTS-MARKET> 547,626 <LOANS> 279,034,698 <ALLOWANCE> 4,396,278 <TOTAL-ASSETS> 486,944,103 <DEPOSITS> 404,802,899 <SHORT-TERM> 24,897,878 <LIABILITIES-OTHER> 3,287,996 <LONG-TERM> 2,093,875 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 23,257,520 <OTHER-SE> 28,603,935 <TOTAL-LIABILITIES-AND-EQUITY> 486,944,103 <INTEREST-LOAN> 17,281,195 <INTEREST-INVEST> 6,804,125 <INTEREST-OTHER> 534,375 <INTEREST-TOTAL> 24,619,695 <INTEREST-DEPOSIT> 10,734,834 <INTEREST-EXPENSE> 11,444,789 <INTEREST-INCOME-NET> 13,174,906 <LOAN-LOSSES> 231,000 <SECURITIES-GAINS> 750,316 <EXPENSE-OTHER> 10,881,726 <INCOME-PRETAX> 5,819,821 <INCOME-PRE-EXTRAORDINARY> 4,198,439 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,198,459 <EPS-BASIC> .99 <EPS-DILUTED> .99 <YIELD-ACTUAL> 3.74 <LOANS-NON> 2,289,000 <LOANS-PAST> 1,277,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,567,126 <CHARGE-OFFS> 592,128 <RECOVERIES> 190,280 <ALLOWANCE-CLOSE> 4,396,278 <ALLOWANCE-DOMESTIC> 4,396,278 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,453,242