<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, 1997
and is qualified in its entirety by reference to such financial statements.
</LEGEND>
<CIK>                          0000846869
<NAME>                         First Citizens Financial Corporation
<MULTIPLIER>                   1000
       
                             
<PERIOD-TYPE>                  3-MOS
<FISCAL-YEAR-END>                                     DEC-31-1997
<PERIOD-END>                                          MAR-31-1997
<CASH>                                                     16,694
<INT-BEARING-DEPOSITS>                                         70
<FED-FUNDS-SOLD>                                                0
<TRADING-ASSETS>                                                0
<INVESTMENTS-HELD-FOR-SALE>                                83,028
<INVESTMENTS-CARRYING>                                     55,740   
<INVESTMENTS-MARKET>                                       55,985     
<LOANS>                                                   511,983   
<ALLOWANCE>                                                 6,921   
<TOTAL-ASSETS>                                            693,803   
<DEPOSITS>                                                544,461   
<SHORT-TERM>                                               20,745   
<LIABILITIES-OTHER>                                         9,319   
<LONG-TERM>                                                76,910   
<PREFERRED-MANDATORY>                                           0   
<PREFERRED>                                                     0   
<COMMON>                                                       29   
<OTHER-SE>                                                 42,339   
<TOTAL-LIABILITIES-AND-EQUITY>                            693,803   
<INTEREST-LOAN>                                            10,380   
<INTEREST-INVEST>                                           2,521   
<INTEREST-OTHER>                                                3   
<INTEREST-TOTAL>                                           12,904   
<INTEREST-DEPOSIT>                                          6,105   
<INTEREST-EXPENSE>                                          7,649   
<INTEREST-INCOME-NET>                                       5,255   
<LOAN-LOSSES>                                                   0   
<SECURITIES-GAINS>                                              0   
<EXPENSE-OTHER>                                             3,580   
<INCOME-PRETAX>                                             2,327   
<INCOME-PRE-EXTRAORDINARY>                                  2,327   
<EXTRAORDINARY>                                                 0   
<CHANGES>                                                       0   
<NET-INCOME>                                                1,415   
<EPS-PRIMARY>                                                  44   
<EPS-DILUTED>                                                  42   
<YIELD-ACTUAL>                                               8.20   
<LOANS-NON>                                                 1,419   
<LOANS-PAST>                                                    0   
<LOANS-TROUBLED>                                            2,899   
<LOANS-PROBLEM>                                                 0   
<ALLOWANCE-OPEN>                                            6,931   
<CHARGE-OFFS>                                                 (11)   
<RECOVERIES>                                                    1   
<ALLOWANCE-CLOSE>                                           6,921   
<ALLOWANCE-DOMESTIC>                                        1,261   
<ALLOWANCE-FOREIGN>                                             0   
<ALLOWANCE-UNALLOCATED>                                     5,660