<ARTICLE> 9
<LEGEND>
This schedule contains financial information extracted from First Citizens
Financial Corporation's Form 10-Q for the Quarter ended September 30, 1996 and
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>                               SEP-30-1996
<CASH>                                      13,638,000
<INT-BEARING-DEPOSITS>                          36,000
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 93,338,000
<INVESTMENTS-CARRYING>                      59,800,000
<INVESTMENTS-MARKET>                        59,967,000
<LOANS>                                    470,657,000
<ALLOWANCE>                                  7,179,000
<TOTAL-ASSETS>                             668,459,000
<DEPOSITS>                                 509,373,000
<SHORT-TERM>                                30,628,000
<LIABILITIES-OTHER>                          9,500,000
<LONG-TERM>                                 79,410,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        29,000
<OTHER-SE>                                  39,519,000
<TOTAL-LIABILITIES-AND-EQUITY>             668,459,000
<INTEREST-LOAN>                              9,522,000
<INTEREST-INVEST>                            2,719,000
<INTEREST-OTHER>                                 6,000
<INTEREST-TOTAL>                            12,247,000
<INTEREST-DEPOSIT>                           5,889,000
<INTEREST-EXPENSE>                           7,336,000
<INTEREST-INCOME-NET>                        4,911,000
<LOAN-LOSSES>                                    1,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              6,450,000
<INCOME-PRETAX>                              (911,000)
<INCOME-PRE-EXTRAORDINARY>                   (911,000)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 (505,000)
<EPS-PRIMARY>                                    (.16)
<EPS-DILUTED>                                    (.16)
<YIELD-ACTUAL>                                    7.80
<LOANS-NON>                                  1,080,000
<LOANS-PAST>                                     5,000
<LOANS-TROUBLED>                             3,942,000
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             7,179,000
<CHARGE-OFFS>                                  (2,000)
<RECOVERIES>                                     1,000
<ALLOWANCE-CLOSE>                            7,179,000
<ALLOWANCE-DOMESTIC>                         1,265,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                      5,914,000