<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
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<ALLOWANCE>                                  4,396,278
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<DEPOSITS>                                 404,802,899
<SHORT-TERM>                                24,897,878
<LIABILITIES-OTHER>                          3,287,996
<LONG-TERM>                                  2,093,875
<PREFERRED-MANDATORY>                                0
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<TOTAL-LIABILITIES-AND-EQUITY>             486,944,103
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<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
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<EXTRAORDINARY>                                      0
<CHANGES>                                            0
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<EPS-BASIC>                                        .99
<EPS-DILUTED>                                      .99
<YIELD-ACTUAL>                                    3.74
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