<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from First
Citizens Financial Corporation's Form 10-K for the Year ended December 31, 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>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               DEC-31-1995
<CASH>                                          10,538
<INT-BEARING-DEPOSITS>                           5,173
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     73,730
<INVESTMENTS-CARRYING>                          42,083
<INVESTMENTS-MARKET>                            42,439
<LOANS>                                        454,984
<ALLOWANCE>                                      8,435
<TOTAL-ASSETS>                                 607,429
<DEPOSITS>                                     487,097
<SHORT-TERM>                                    27,640
<LIABILITIES-OTHER>                              6,551
<LONG-TERM>                                     47,500
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            26
<OTHER-SE>                                      38,728
<TOTAL-LIABILITIES-AND-EQUITY>                 607,429
<INTEREST-LOAN>                                 36,728
<INTEREST-INVEST>                                6,574
<INTEREST-OTHER>                                   161
<INTEREST-TOTAL>                                43,463
<INTEREST-DEPOSIT>                              22,138
<INTEREST-EXPENSE>                              25,740
<INTEREST-INCOME-NET>                           17,723
<LOAN-LOSSES>                                     (28)
<SECURITIES-GAINS>                                  46
<EXPENSE-OTHER>                                 14,301
<INCOME-PRETAX>                                  6,093
<INCOME-PRE-EXTRAORDINARY>                       6,093
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,107
<EPS-PRIMARY>                                     1.43
<EPS-DILUTED>                                     1.42
<YIELD-ACTUAL>                                    7.87
<LOANS-NON>                                      1,828
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 5,475
<LOANS-PROBLEM>                                  4,075
<ALLOWANCE-OPEN>                                 7,642
<CHARGE-OFFS>                                      166
<RECOVERIES>                                        12
<ALLOWANCE-CLOSE>                                7,460
<ALLOWANCE-DOMESTIC>                             1,252
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          6,208