<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from First
Citizens Financial Corporation's Form 10-Q for the Quarter ended June 30, 1996
and is qualified in its entirety by reference to such financial statements.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                          11,452
<INT-BEARING-DEPOSITS>                               9
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     94,202
<INVESTMENTS-CARRYING>                          57,774
<INVESTMENTS-MARKET>                            57,752
<LOANS>                                        450,904
<ALLOWANCE>                                      7,179
<TOTAL-ASSETS>                                 645,824
<DEPOSITS>                                     505,422
<SHORT-TERM>                                    20,080
<LIABILITIES-OTHER>                             10,794
<LONG-TERM>                                     69,800
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            29
<OTHER-SE>                                      39,699
<TOTAL-LIABILITIES-AND-EQUITY>                 645,824
<INTEREST-LOAN>                                  9,017
<INTEREST-INVEST>                                2,568
<INTEREST-OTHER>                                    51
<INTEREST-TOTAL>                                11,636
<INTEREST-DEPOSIT>                               5,856
<INTEREST-EXPENSE>                               7,063
<INTEREST-INCOME-NET>                            4,573
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                  27
<EXPENSE-OTHER>                                  3,573
<INCOME-PRETAX>                                  1,860
<INCOME-PRE-EXTRAORDINARY>                       1,860
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,149
<EPS-PRIMARY>                                      .36
<EPS-DILUTED>                                      .36
<YIELD-ACTUAL>                                    7.69
<LOANS-NON>                                      2,919
<LOANS-PAST>                                        11
<LOANS-TROUBLED>                                 2,899
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 7,193
<CHARGE-OFFS>                                     (16)
<RECOVERIES>                                         2
<ALLOWANCE-CLOSE>                                7,179
<ALLOWANCE-DOMESTIC>                             1,250
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          5,929