<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, 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>                                          JUN-30-1997
<CASH>                                                     14,612
<INT-BEARING-DEPOSITS>                                      2,693
<FED-FUNDS-SOLD>                                                0
<TRADING-ASSETS>                                                0
<INVESTMENTS-HELD-FOR-SALE>                                74,060
<INVESTMENTS-CARRYING>                                     62,762   
<INVESTMENTS-MARKET>                                       63,584     
<LOANS>                                                   514,866   
<ALLOWANCE>                                                 6,234   
<TOTAL-ASSETS>                                            691,754  
<DEPOSITS>                                                543,856   
<SHORT-TERM>                                               22,195   
<LIABILITIES-OTHER>                                        12,167   
<LONG-TERM>                                                69,410   
<PREFERRED-MANDATORY>                                           0   
<PREFERRED>                                                     0   
<COMMON>                                                       29   
<OTHER-SE>                                                 44,097   
<TOTAL-LIABILITIES-AND-EQUITY>                            691,754   
<INTEREST-LOAN>                                            10,630   
<INTEREST-INVEST>                                           2,537   
<INTEREST-OTHER>                                                9   
<INTEREST-TOTAL>                                           13,176   
<INTEREST-DEPOSIT>                                          6,265   
<INTEREST-EXPENSE>                                          7,786   
<INTEREST-INCOME-NET>                                       5,390   
<LOAN-LOSSES>                                                   0   
<SECURITIES-GAINS>                                            160   
<EXPENSE-OTHER>                                             4,151   
<INCOME-PRETAX>                                             2,036   
<INCOME-PRE-EXTRAORDINARY>                                  2,036   
<EXTRAORDINARY>                                                 0   
<CHANGES>                                                       0   
<NET-INCOME>                                                1,192   
<EPS-PRIMARY>                                                  36   
<EPS-DILUTED>                                                  36   
<YIELD-ACTUAL>                                               7.69   
<LOANS-NON>                                                 1,300   
<LOANS-PAST>                                                    0   
<LOANS-TROUBLED>                                                0   
<LOANS-PROBLEM>                                                 0   
<ALLOWANCE-OPEN>                                            6,921   
<CHARGE-OFFS>                                                (688)  
<RECOVERIES>                                                    1   
<ALLOWANCE-CLOSE>                                           6,234   
<ALLOWANCE-DOMESTIC>                                          573   
<ALLOWANCE-FOREIGN>                                             0   
<ALLOWANCE-UNALLOCATED>                                     5,661