<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from First
Citizens Financial Corporation's Form 10-Q for the Quarter ended September 30,
1995 and is qualified in its entirety by reference to such financial statements.
</LEGEND>
<CIK> 0000846869
<NAME> First Citizens Financial Corporation
<MULTIPLIER> 1,000
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-1995
<PERIOD-END> SEP-30-1995
<CASH> 7,739
<INT-BEARING-DEPOSITS> 35
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 32,991
<INVESTMENTS-CARRYING> 80,197
<INVESTMENTS-MARKET> 80,203
<LOANS> 445,202
<ALLOWANCE> 6,399
<TOTAL-ASSETS> 597,708
<DEPOSITS> 472,592
<SHORT-TERM> 43,640
<LIABILITIES-OTHER> 14,284
<LONG-TERM> 30,000
<COMMON> 26
<PREFERRED-MANDATORY> 0
<PREFERRED> 0
<OTHER-SE> 37,166
<TOTAL-LIABILITIES-AND-EQUITY> 597,708
<INTEREST-LOAN> 27,174
<INTEREST-INVEST> 4,723
<INTEREST-OTHER> 254
<INTEREST-TOTAL> 32,151
<INTEREST-DEPOSIT> 16,215
<INTEREST-EXPENSE> 18,800
<INTEREST-INCOME-NET> 13,351
<LOAN-LOSSES> 202
<SECURITIES-GAINS> 45
<EXPENSE-OTHER> 10,772
<INCOME-PRETAX> 4,287
<INCOME-PRE-EXTRAORDINARY> 4,287
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,945
<EPS-PRIMARY> 1.03
<EPS-DILUTED> 1.02
<YIELD-ACTUAL> 7.85
<LOANS-NON> 1,668
<LOANS-PAST> 0
<LOANS-TROUBLED> 5,475
<LOANS-PROBLEM> 127
<ALLOWANCE-OPEN> 6,244
<CHARGE-OFFS> (58)
<RECOVERIES> 11
<ALLOWANCE-CLOSE> 6,399
<ALLOWANCE-DOMESTIC> 351
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 6,048