<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from First
Citizens Financial Corporation's Form 10-Q for the Quarter ended March 31, 1996
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>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               MAR-31-1996
<CASH>                                          11,639
<INT-BEARING-DEPOSITS>                           7,309
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    100,387
<INVESTMENTS-CARRYING>                          40,954
<INVESTMENTS-MARKET>                            41,081
<LOANS>                                        433,588
<ALLOWANCE>                                      7,193
<TOTAL-ASSETS>                                 624,118
<DEPOSITS>                                     500,237
<SHORT-TERM>                                    21,890
<LIABILITIES-OTHER>                              6,999
<LONG-TERM>                                     55,800
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            26
<OTHER-SE>                                      39,166
<TOTAL-LIABILITIES-AND-EQUITY>                 624,118
<INTEREST-LOAN>                                  9,328
<INTEREST-INVEST>                                2,012
<INTEREST-OTHER>                                    67
<INTEREST-TOTAL>                                11,407
<INTEREST-DEPOSIT>                               5,911
<INTEREST-EXPENSE>                               6,997
<INTEREST-INCOME-NET>                            4,410
<LOAN-LOSSES>                                      148
<SECURITIES-GAINS>                                   4
<EXPENSE-OTHER>                                  3,984
<INCOME-PRETAX>                                  1,629
<INCOME-PRE-EXTRAORDINARY>                       1,629
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,078
<EPS-PRIMARY>                                      .34
<EPS-DILUTED>                                      .34
<YIELD-ACTUAL>                                    7.96
<LOANS-NON>                                      2,914
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 5,475
<LOANS-PROBLEM>                                    156
<ALLOWANCE-OPEN>                                 7,460
<CHARGE-OFFS>                                    (417)
<RECOVERIES>                                         2
<ALLOWANCE-CLOSE>                                7,193
<ALLOWANCE-DOMESTIC>                             1,257
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          5,936