<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from First
Citizens Financial Corporation's Annual Report and Form 10-K for the year ended
December 31, 1996 and is qualified in its entirety by reference to such
financial statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                          15,979
<INT-BEARING-DEPOSITS>                             363
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     81,387
<INVESTMENTS-CARRYING>                          55,035
<INVESTMENTS-MARKET>                            56,788
<LOANS>                                        506,092
<ALLOWANCE>                                      6,931
<TOTAL-ASSETS>                                 687,196
<DEPOSITS>                                     538,897
<SHORT-TERM>                                    12,128
<LIABILITIES-OTHER>                              7,644
<LONG-TERM>                                     86,910
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            29
<OTHER-SE>                                      41,588
<TOTAL-LIABILITIES-AND-EQUITY>                 687,196
<INTEREST-LOAN>                                 37,968
<INTEREST-INVEST>                                9,976
<INTEREST-OTHER>                                   141
<INTEREST-TOTAL>                                48,085
<INTEREST-DEPOSIT>                              23,938
<INTEREST-EXPENSE>                              29,170
<INTEREST-INCOME-NET>                           18,915
<LOAN-LOSSES>                                       94
<SECURITIES-GAINS>                                  49
<EXPENSE-OTHER>                                 17,557
<INCOME-PRETAX>                                  4,782
<INCOME-PRE-EXTRAORDINARY>                       4,782
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,168
<EPS-PRIMARY>                                      .99
<EPS-DILUTED>                                      .99
<YIELD-ACTUAL>                                    7.80
<LOANS-NON>                                        970
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 3,942
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 7,460
<CHARGE-OFFS>                                    (623)
<RECOVERIES>                                        94
<ALLOWANCE-CLOSE>                                6,931
<ALLOWANCE-DOMESTIC>                             1,244
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          5,687